Retirement planning that connects the pieces.

Most retirement questions sound simple: Can I retire? Will the money last? When should I claim Social Security? The answers depend on assumptions that are easy to miss — spending that changes over time, taxes on withdrawals, market returns in the early years, and the cost of healthcare before Medicare begins.

We build a plan that makes those assumptions visible, then test it against scenarios you can actually imagine living through. The goal is not a perfect forecast. It is a decision framework that holds up when the future does not match the spreadsheet.

What retirement planning covers

• Income needs. A spending plan that separates essential costs from discretionary ones and accounts for how both change over time.
• Social Security. Claiming ages, spousal and survivor benefits, and the interaction with other income.
• Withdrawal sequencing. Which accounts to draw from, in what order, and how to avoid unnecessary tax consequences.
• Roth conversions. Whether converting in lower-income years makes sense for your situation and beneficiaries.
• Required minimum distributions. When they begin and how to plan around them.
• Healthcare. Coverage before Medicare, Medicare enrollment, and the long-term cost of care.
• Investment risk. A portfolio designed for the withdrawals you need, not just the returns you hope for.
• Estate and legacy. Beneficiary designations, titling, and coordination with your attorney.

Who it is for

Retirement planning is most useful when the finish line is visible: roughly five to ten years before work becomes optional, or in the first few years after it does. It also fits business owners whose retirement depends on the sale or succession of a company, and families with a stay-at-home spouse or a pension decision to make.

Earlier planning is not wasted. It creates more room to adjust savings, tax strategies, and the date itself. Later planning is not too late; it just narrows the set of levers.

How the process works

• Discovery. A complimentary conversation about your goals, income sources, health, family, and what you want retirement to look like.
• Modeling. A written plan showing cash flow, taxes, investment assumptions, and the tradeoffs between different retirement dates and spending levels.
• Implementation. Account changes, investment allocation, and coordination with your CPA and attorney where their expertise is required.
• Ongoing review. Annual check-ins and updates when life, markets, or tax law change the assumptions.

What we do not do

Iarann Wealth and Private Client Services do not provide tax or legal advice. We coordinate with your tax and legal professionals so the plan reflects their guidance. Projections are illustrations, not guarantees, and investing involves risk, including the possible loss of principal.