Moving from Building Wealth to Using It: The Next Phase of Your Retirement
As you approach retirement, the margin for error narrows. Ensure your assets are structured to last as long as the life you’ve envisioned.
Get Your Copy of Preparing for Retirement.
Success in the Accumulation Phase Does Not Guarantee Success in Retirement
Most people approaching retirement have done a lot right, saving consistently and keeping a long-term perspective. But as the date approaches, something shifts. Planning for a distant future feels different than relying on that plan for monthly income.
This guide was written to help you bridge that gap. It is a practical look at the decisions that shape your future.
What’s Inside the Guide?
We’ve worked with hundreds of families. Inside, we break down the four pillars of a strong retirement.
The Inflation Gap
How to account for the costs of healthcare and home maintenance.
Tax Strategy
Why where you withdraw from matters as much as how much you withdraw.
The Order of Decisions
How the timing of Social Security and IRA distributions can create (or hinder) tax flexibility.
The Confidence Trap
Why a high account balance can sometimes mask a lack of true testing.
Testimonials reflect the experience of selected clients. No compensation was provided. Results may not be representative and are not a guarantee of future performance.
A 60-Second Self-Assessment
Can you answer “Yes” to these five questions? If not, this guide was written for you.
1
Do I have a clear strategy for generating income that accounts for inflation?
Yes / No
2
Am I revisiting earlier decisions as my financial situation and goals have evolved?
Yes / No
3
Have I considered how healthcare costs could change in later years?
Yes / No
4
Are my assets intentionally structured across different tax account types (Taxable vs. Roth vs. Deferred)?
Yes / No
5
Do I know how my Social Security timing will affect the tax burden on my other investments?
Yes / No
Why Choose Harvest Advisors?
While the guide provides the framework, the implementation requires a partner who sits on your side of the table. We help you identify opportunities that may not have been fully explored, explaining each step in a way that feels straightforward.
Fiduciary Excellence
As fee-only, non-commissioned advisors, our only incentive is your financial success. We have a legal and ethical obligation to put your interests first.
Personalized Attention
No two retirements look alike because no two lives do. Each strategy is built around your goals, your values, and your circumstances. And, we meet with each client multiple times each year, not just once a year over Zoom, to discuss your plans.
Proactive Strategies
An active approach, with regular, personal check-ins, enables us to keep your plan in step with your life. We monitor your financial world, making thoughtful adjustments as markets move or priorities shift.
Trusted Expertise
With more than 150 years of combined experience and deep in-house research, our team brings both insight and steadiness to the table. You’ll have dedicated, seasoned advisors who care deeply about helping you grow, protect, and enjoy what you’ve built.
Peace of Mind
Retirement should feel like freedom, not uncertainty. Our fiduciary promise means your plan is crafted with care and designed around your best interests, so you can focus on living well.