Retiring soon or already retired
Retiring with a plan, not a guess.
Planning for people within five years of retirement, and for those already there, who want every decision made in the right order.
Social Security at 62, 67, or 70. Medicare at 65 whether you are ready or not. Pension options you choose once. A withdrawal strategy that may need to last thirty years. None of these is hard on its own. Getting them to work together is the job.
The moment
Five years out is early enough to change the outcome. Already retired is not too late.
Many of the biggest levers in retirement are pulled before it starts: how much sits in pre-tax, Roth, and taxable accounts, when income starts from each source, and how the first few years of withdrawals are taxed.
If you are already retired, the work shifts to keeping taxes low every year, adjusting when markets move, and making sure the plan keeps up with your life.
What we plan around
The decisions that come due, coordinated.
The number
What you actually need, tested against markets that do not cooperate, not a rule of thumb.
Social Security
Claiming age for you and your spouse, modeled against longevity, taxes, and the rest of your income.
Medicare
Enrollment timing, and how your income in the years before 65 and after can affect your premiums.
Pension choices
Single life, joint and survivor, or lump sum, and the trade-offs of each, decided with care.
Withdrawals and RMDs
Which account to draw from first, required minimum distributions, and how to adjust when markets fall.
Roth conversions
The lower-income years when conversions may cost the least, mapped before you get there.
How it works
A team that stays with you after the plan is built.
Qualifying call
20 minutes · Stacy
You tell us where you are and what is ahead. We tell you honestly whether we fit.
Discovery
60 minutes · Darren and Stacy
We map your accounts, income sources, and every decision ahead.
Proposal
60 minutes · Darren and Stacy
The plan, the priorities in order, and the fee in writing. You decide.
Onboarding
60 minutes · Kylie
Accounts opened, transfers started, and your service calendar set for the year.
After that, scheduled reviews and quarterly tax planning, so you always know what is next. See how we work
Why Wurz
This is the work the firm was built on.
Richard Wurz started helping families prepare for retirement in the 1980s. The second generation has kept that focus while adding deeper tax planning and a full team.
Fee-only, fiduciary, and still a family firm.
Questions we hear
Common questions
Am I ready to retire?
That is the first thing we answer together, with numbers, in the discovery meeting.
When should I take Social Security?
It depends on more than life expectancy, including your spouse, your other income, and taxes. We run the scenarios.
Do I need a Roth conversion?
Possibly. If so, the timing matters as much as the amount.
I am already retired. Can you still help?
Yes. Withdrawals, required distributions, taxes, and keeping the plan current are ongoing work, and we do them all year.
Retiring soon, or already there?
Let’s make sure the decisions happen in the right order. One 20-minute call to start.
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