Retirement Services

Retirement planning made simple, so you can focus on living.

Retirement Income Planning Services

Retirement income planning focuses on how savings, investments, and other financial resources are used to support income needs over time.

At Apriem Advisors, retirement income planning is a core service that helps clients structure withdrawals, manage taxes, and coordinate investment strategy as part of a broader financial plan.

This service is designed to support long term sustainability and is typically delivered as part of an ongoing wealth management relationship.

What Retirement Income Planning Is Designed to Do

Retirement income planning is not about deciding when to retire. It is about designing a strategy for how income is generated, distributed, and managed once retirement assets begin to be used.


Retirement income planning is designed to help clients:

  • coordinate withdrawals across different account types
  • manage cash flow needs over time
  • reduce unnecessary tax exposure
  • align investment strategy with income needs
  • support long term financial sustainability

retirement income planning and distribution strategy

Distribution Strategy and Withdrawal Planning

One of the primary components of retirement income planning is building a distribution strategy.

This includes evaluating:

  • which accounts to draw from and when
  • how taxable and tax deferred accounts interact
  • required minimum distribution planning
  • coordinating withdrawals with other income sources
  • maintaining flexibility as spending needs change

A structured distribution strategy helps reduce risk and improve clarity around income planning.

planning retirement withdrawals across multiple account types

Tax Planning as Part of Retirement Income Strategy

Taxes can significantly affect retirement income over time.

 

Retirement income planning often includes coordinating withdrawals with tax strategy, such as:

  • managing taxable income levels
  • evaluating Roth conversion opportunities
  • planning for future tax brackets
  • coordinating retirement income with charitable goals
  • aligning income strategy with long term tax planning

Tax planning is coordinated with a client’s CPA when appropriate.

Investment Strategy Aligned With Income Needs

Investment strategy often changes once income distribution begins.

Retirement income planning includes aligning investment strategy with:

  • expected withdrawal needs
  • time horizon for assets
  • risk tolerance and portfolio stability
  • diversification and long term growth considerations

Investment strategies are reviewed regularly and adjusted as circumstances evolve.

Investing involves risk, including the potential loss of principal.

planning retirement withdrawals across multiple account types

Required Minimum Distribution Planning

Required minimum distributions can create tax and cash flow complexity.

 

Retirement income planning may include:

  • evaluating RMD timing and impact
  • coordinating RMDs with other income sources
  • managing tax implications of required distributions
  • planning for changes in RMD rules over time

Proper planning helps avoid surprises and supports long term income management.

Integrating Retirement Income Planning With Wealth Management

Retirement income planning works best when it is integrated with a broader wealth management strategy.

This integration allows retirement income decisions to support:

Our planning-first approach ensures these areas work together.

Who Retirement Income Planning Is For

Retirement income planning services are designed for individuals and families who:

  • are entering the income distribution phase

  • are already retired and reviewing income strategy

  • want greater clarity around withdrawals and taxes

  • have multiple account types and income sources

  • value ongoing planning and coordination

Services are tailored based on individual goals and circumstances.

financial planning focused on retirement income strategy

How We Deliver Retirement Income Planning

Retirement income planning services may include:

  • income distribution strategy design
  • withdrawal and tax planning coordination
  • investment strategy review
  • ongoing monitoring and adjustments
  • regular planning updates as circumstances change

This service is typically delivered as part of an ongoing advisory relationship.

Learn More About Retirement Income Planning

If you would like to learn more about retirement income planning services and how they fit into a broader wealth management strategy, we invite you to schedule a conversation.