Retirement planning that gives you a number, not a probability.
For people at or near retirement in Blue Bell and across Montgomery County. Most plans hand you a percentage and a shrug. I give you the amount you can spend each month, and the signals that tell us when it changes.
Your monthly paycheck
You always know the number, and exactly what would move it. Figures are an example, not a projection.
A plan you can act on, not a score you have to trust.
The usual answer
"You have an 82 percent chance of success."
A number and a shrug. It does not tell you what to spend this month, and it goes quiet the moment markets move and you actually need an answer.
What you get here
"You can spend $9,170 a month. Here is exactly when that changes."
A specific answer with guardrails around it. When the market drops or your life shifts, the plan already knows what to do, and so do you.
From your last paycheck to your legacy.
Retirement is not one decision. It is a sequence of them, and the order matters more than any single pick.
A number you can actually spend
Not a probability score. The amount you can safely take each month, with upper and lower guardrails that say plainly when it should change.
Withdrawals in the right order
Which account to draw from, and when, so the tax bill over your whole retirement is lower rather than just this year's.
Social Security timing
One filing decision worth tens of thousands over a lifetime, and it depends on your health, your spouse and the rest of your income.
Medicare without the surprise
IRMAA premium cliffs are triggered by income two years earlier. Planned for in advance they are avoidable, discovered late they are not.
Tested against real crashes
Your plan run through the actual market history of 2008 and 2020, not an average, so you know what happens rather than hoping.
The whole picture, one page
Accounts, income, taxes, insurance and estate documents in a single view you keep, instead of scattered across statements.
The edge is risk reduction, not prediction.
Nobody reliably picks next year's winner, and a retirement built on someone trying is a retirement built on luck. The portfolio behind your income is a balanced global core, a few careful leans, active management only where it has earned its fee, and bonds chosen for what they actually do when equities fall.
Held outside the accounts you are drawing from in a deliberate order, so a bad year in markets does not force a bad decision on taxes.
How the Portfolio Works
Alan Rhode, CFP®, CPWA®, CVGA®, CEPA®, RLP®
Based in Blue Bell. Meeting wherever you are.
I am in Blue Bell, in Montgomery County, and I work with retirees across Greater Philadelphia, Chester and Bucks counties. Meetings happen by Zoom or phone rather than in an office, so the same work suits you just as well if you have moved to be nearer the grandchildren.
More ways I work with people here
- Financial advisor in Blue BellWho I am and how I work with people in Blue Bell
- Financial planner in Blue BellThe plan, and the process for building it
- Investment advisor in Blue BellHow portfolios are built and managed
- Tax planning in Blue BellBrackets, Roth conversions and Pennsylvania rules
- Business advisory in Blue BellGrowth, value and exit planning for owners
- For entrepreneurs in Blue BellPlanning built around a business you own
Let's talk about the number.
A free thirty minute Exploration Call. No pitch and no obligation, just a conversation about what you want and whether we are a fit.
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