Apriem Advisors
Retirement Income Planning in Orange County, CA
Turning a lifetime of savings into a confident, sustainable income plan for the retirement you actually want.
From Saving to Spending
A retirement financial advisor OC families rely on understands that building savings and living off of them are two entirely different challenges. Retirement income planning is about answering the questions that matter once the paychecks stop: how much can you safely spend each year, which accounts to draw from first, and how to make a lifetime of savings actually last a lifetime.
What Retirement Income Planning With Apriem Includes
– A sustainable withdrawal strategy built around your actual spending needs, not a generic rule of thumb
– Coordinating Social Security timing, required minimum distributions, and tax efficient withdrawal order
– Planning for healthcare costs and long term care alongside your income strategy
– Ongoing adjustments as markets, tax law, and your own life continue to change
– We help clients navigate concentrated stock positions and employer retirement plan holdings, including Net Unrealized Appreciation (NUA) strategies, to manage risk and tax exposure within a broader retirement income plan.
Specialized Pension Planning
Many of the retirees we work with come from industries with pension plans, including the oil & gas, refining, aerospace, and defense industries, where retirement income planning looks a little different. Apriem has built deep, specific experience in this kind of pension focused retirement planning, helping retirees from these industries navigate pension elections, timing decisions, and how a pension fits into a broader retirement income strategy.
FAQs
The terms “financial advisor” and “wealth manager” are often used interchangeably throughout the financial services industry, and there is no universal definition that distinguishes them. At Apriem, the terms have the same meaning. Whether your advisor’s title is Financial Advisor or Wealth Manager, you receive the same comprehensive approach to coordinating investment management, financial planning, retirement planning, estate planning, tax planning, and charitable planning. Every client benefits from a collaborative team approach that brings every aspect of their financial life together in one coordinated strategy.
Look for a retirement financial advisor with experience in retirement planning and retirement income planning—not just investment management. Building wealth and creating a retirement income strategy require different knowledge and expertise. For more than 28 years, Apriem has helped Orange County families prepare for and navigate retirement through personalized retirement planning and comprehensive wealth management. Our retirement planning team includes professionals who hold respected retirement and financial planning credentials, including CRPC® (Chartered Retirement Planning Counselor℠), CFP® (CERTIFIED FINANCIAL PLANNER®), and ChFC® (Chartered Financial Consultant®), helping clients make informed decisions throughout retirement.
Disclosures: *As of 7/14/26