Turn savings into a practical paycheck
We organize Social Security, pensions, cash reserves, portfolio withdrawals, required distributions, and other income sources around the life you want to live.
Grape Wealth Management
Retirement income planning
Retirement income planning is about more than choosing a withdrawal rate. We help connect the money coming in, the money going out, and the decisions that can change both.
Start a conversationWhen should each spouse claim Social Security?
Which accounts should fund spending first?
How much can we spend while keeping flexibility for later?
Plan for two people, not one spreadsheet
For couples, we consider each spouse's retirement date, benefits, health considerations, tax picture, and longevity so the plan reflects the household.
Revisit the plan as life changes
Markets, spending, taxes, and family priorities change. The Sonoma Plan is designed to be reviewed and adjusted rather than filed away.
The Sonoma Plan™
More clarity for the decisions ahead.
We bring the moving parts into one planning conversation, then keep the plan current as life changes.
Talk with Grape