Retirement Income
A Smarter Approach to Retirement Income
Retirement is more than just reaching a savings goal—it’s about ensuring your money lasts and supports the life you’ve worked hard to build. For high-net-worth individuals approaching retirement, managing withdrawals, taxes, and investments effectively is crucial to preserving and growing wealth. At Wealthstone Group, we specialize in tax-efficient, market-resilient income strategies designed to help pre-retirees turn their investment savings into sustainable, long-term income—without unnecessary risks or tax burdens.
Will your money last through retirement?
Many pre-retirees wonder:
How much can I withdraw each year without running out of money?
What's the most tax-efficient way to take distributions?
How do I protect my savings from market downturns and inflation?
Should I rely solely on stocks and bonds, or explore alternative investments?
Without a plan, these concerns can lead to financial uncertainty in retirement. Our goal is to help you eliminate the guesswork and create a structured, reliable strategy for generating income that lasts.
Creating a Sustainable
Retirement Income Plan
A strong retirement income plan starts with smart asset allocation—ensuring your portfolio is structured to generate reliable cash flow while managing risk. Your investments should not only grow but also provide steady income streams that align with your spending needs.
At Wealthstone Group, we help you design a balanced income strategy by leveraging multiple asset classes:
Balancing Growth, Income, and Stability
Stocks
Provide long-term growth and dividend income from well-established companies. Dividend-paying stocks generate consistent cash flow while offering inflation protection.
Bonds
Offer interest income and portfolio stability. Investment-grade corporate bonds, municipal bonds, and Treasuries provide stable returns and reduce volatility.
Alternative Investments
Real estate, private credit, and structured notes can add additional income streams, reduce reliance on public markets, and enhance portfolio diversification.
Cash & Short-Term Reserves
Holding liquid assets such as money market funds and short-term bonds ensures access to cash for short-term expenses without selling investments at a loss.
Aligning Income Sources with Asset Allocation
Dividend Income
Interest Income
Alternative Investments
Social Security & Pensions
A well-balanced retirement portfolio blends stocks, bonds, and alternative investments to create a stable, diversified income plan that adapts to your needs.
Withdraw Money the Smart Way
How you withdraw your retirement savings matters as much as how you invest it. A tax-smart withdrawal strategy can help your money go further by:
Reducing unnecessary taxes
(taxable → tax-deferred → Roth)
Maximizing long-term capital gains rates
Minimizing Required Minimum Distributions (RMDs)
The right withdrawal plan can save you thousands in taxes over your retirement.
Protect Against Inflation Rates
A smart retirement income plan must account for market fluctuations and rising costs.
Planning for inflation and market downturns helps ensure your purchasing power stays intact.
Market Volatility Protection
Inflation Hedge
Longevity Planning
Explore More of Our Services
Tax Mitigation
Minimize tax liabilities, maximize tax deferral, and protect your wealth with strategic tax planning to enhance your life and investment goals. Discover proactive solutions to reduce taxes, optimize cash flow, and enhance long-term financial growth.
Business Exit Planning & ESOPs
We specialize in Business Exit Planning and ESOP / 1042 strategies designed to help business owners like you transition successfully while protecting your wealth and minimizing taxes.
Real Estate
We provide custom real estate investment solutions for high-net-worth clients with an emphasis on diversification and personalized strategies for tax mitigation, wealth enhancement and protection.