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PRE-RETIREES / RETIREES
Planning leading up to, and through, your retirement years.
For most people approaching this stage, the hard part isn't saving. It's converting decades of savings into a plan that supports the life they want, for as long as they need it to. That means decisions about income, spending, investment risk, and taxes, made years before the transition itself and revisited often after.
Coastal Bridge Advisors builds retirement plans around a client's specific circumstances rather than a standard withdrawal formula, and adjusts that plan as life and markets change.
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Solutions for pre-retirees and retirees
We help clients build an income strategy that draws from the appropriate accounts in an order based on each client’s circumstances.
Case Study
Planning the transition out of full-time work
A couple in their early sixties came to Coastal Bridge Advisors roughly five years before their planned retirement date. Their savings were spread across several employer plans and brokerage accounts, with no coordinated income plan.
Portfolios and planning are built from the ground up around each client's balance sheet, income needs, tax situation, and long-term priorities. Each decision is made in full context, resulting in a plan shaped by real circumstances, rather than a standardized model.
The couple's accounts were spread across former employers and personal brokerage accounts, with no shared strategy. No sequence existed for which accounts to draw from first, or how withdrawals would affect their tax bracket over time. Healthcare costs before Medicare eligibility had not been factored into their plan.
We consolidated their accounts into a coordinated plan, built a multi-year withdrawal strategy designed to manage their tax bracket over time, and modeled healthcare costs for the years before Medicare coverage began. We stress-tested the plan against market downturns occurring early in retirement.
The couple retired on schedule with a clear income plan and a defined sequence for drawing from each account. Their plan now adjusts each year based on markets and spending, rather than following a fixed formula that ignores changing circumstances.
