The Distribution Phase of Financial Planning typically starts at retirement when an individual starts converting savings and investments into income needed to support their lifestyle. Distribution planning should consider sustainable withdrawal rates and the impact of variable expenses often incurred later in life. 


  • Retirement Planning – sustainability of assets to meet income needs, diversification of income streams, taxability of income 
  • Monte Carlo Simulations – statistical analysis providing a range of possible outcomes based on underlying goals. 
  • Review of current Income Streams – Social Security Income, Pension, Rental, Annuity, Royalty, portfolio distributions, etc… Analysis on when to take SS Income, Annuities, etc…in a given circumstance.


  • Tax Optimization – through portfolio trading strategies/tax loss harvesting, asset location, analysis of taxability of income sources, approximating the best mix of income sources with regards taxability
  • -Understanding Required Minimum Distributions (RMD’s) 
  • Risk Management/Diversification – evaluating structure and risk characteristics of assets owned, including closely-held businesses, concentrated positions.  May include a high-level discussion on legal, health and financial risks. 
  • Insurance Considerations – discussion on Long Term Care Insurance.  Current needs analysis for LI policies, how to re-purpose a LI policy once original purchase intentions fade.


  • Advanced Estate Planning – Access to our Fiduciary & Tax teams to discuss possible solutions to complex estate concerns and a review of existing documents.  The Financial Planning Group works closely with our in-house Fiduciary & Tax Teams to review documents such as Wills, Rev Trusts, POA, Medical Directive, Healthcare Proxy, Guardianship, titling of assets and will make suggestions where appropriate.  
  • High Level discussion around Gifting Strategies and the use of different types of trusts to accomplish specific estate/tax goals including GST Tax concerns. 
  • Current Lifetime Exemption Amounts, possible results after TCJA sunsets in 2026
  • Average cost of healthcare for a 65 year old couple
  • Information on 4% withdrawal rate