Retire With Confidence—On Your Timeline
Turn your life’s savings into reliable, tax-smart income—whether you retire at 58 or 68.
Common Retirement Worries We Help Solve
Outliving My Money
We help you build a withdrawal guard-rail and longevity buffer so your portfolio can support spending to age 95 +—even if markets misbehave.
Tax Drag on Withdrawals
We help coordinate Roth conversions, bracket management, and strategic giving, so less of each distribution is lost to avoidable taxes over your lifetime.
Market Shocks & Turning Growth Into Income
We help stress-test your portfolio and map a shift from growth assets to reliable cash-flow.
Choose Your Retirement Path
Early Retirement 55–62
Leave work sooner and bridge the income gap until pensions and Medicare. We model health-care premiums, tax brackets, and cash-flow so you can step away confidently.
Traditional Retirement 63–70
Retire at or near full-benefit age with a plan that balances required withdrawals, risk, and legacy goals—without sacrificing lifestyle.
Core Services for Retirement Planners
Retirement-Income Road-Mapping
Turn assets into a sustainable pay-cheque, year-by-year.
Tax-Smart Distribution Strategy
Sequence withdrawals and conversions to reduce lifetime taxes.
Risk Alignment & Portfolio Stress-Testing
Right-size equity and test plans against early-retirement downturns.
See our full service menu.
Case Study: Retiring at 58 Without Cutting Lifestyle
The challenge: A dual-income couple wanted to leave work at 58 but worried they’d deplete savings before Social Security and Medicare.
Our role: We modelled a five-year bridge plan using Roth conversions, HSA reserves, and a flexible withdrawal guard-rail.
Outcome: They stepped away at 58 with a clear income schedule and a 95 % success rate in stress tests.
Individual results vary; past performance is not indicative of future outcomes.
The preceding case study is based on individual client experience and may not be representative of the experience of other clients. They should not be considered a guarantee or indication of future results.
Our 3-Step Process
1.
Explore
Call (15 Minutes):
A short, no-pressure conversation to talk about what’s going on and see if we’re a good fit. No prep needed.
2. Strategy Session – Uncover Your Top Opportunities (60 Minutes): We take a deeper look at your situation, surface the two or three highest-value opportunities, and answer your key questions. The analysis time we invest in preparing for this meeting is typically billed at $750 (waived for qualified households).
Afterwards you’ll receive a concise Strategy Overview summarizing those opportunities and outlining next-step options should you choose to work with us.
3. Put Your Opportunities to Work, Together: If you decide to move forward, we’ll help you put those opportunities into action and keep everything on track. And if it’s not the right time, that’s okay too. You’ll still walk away with clarity, direction, and a few helpful ideas to move forward on your own.
“David took the time to get to know me personally as well as financially before guiding me through the confusing world of investing, retirement, insurance and taxes. His advice, his integrity and his team are top notch. I highly recommend Talley Financial.”
– Randy Broce ⭐⭐⭐⭐⭐
This testimonial is based upon an individual client experience and may not be representative of the experience of other customers and should not be considered a guarantee or indication of future performance or success.
Answers to Retirement Planners’ Most Common Financial Questions
How much do I need to retire early at 58?
Depends on spending, tax bracket, and market risk. We model scenarios to show how $1 M–$5 M could fund 30+ years with guard-rails.
What is a safe withdrawal rate for ages 55–60?
Every plan differs, but 3–4 % of investable assets—adjusted annually—often keeps portfolios sustainable when paired with guard-rails.
Can Roth conversions lower my taxes before required withdrawals?
Conversions can fill lower brackets before RMDs begin. We model net-of-tax outcomes before recommending.
How do market downturns affect my retirement income plan?
We stress-test your portfolio using history and Monte Carlo so you see how income adjusts during a bear market.
What does comprehensive retirement planning cost?
Fixed-fee engagements typically range $3-8 k in the first year, quoted after your Strategy Session.
Ready to Build Your Retirement Income Plan?
Book a 15-minute Intro Call and discover the next clear step.
Updated July 2025 • Written by David Talley, CFP®, EA
