You're approaching retirement. Here is what changes when Brad is the one helping you plan it.
Not another explainer on withdrawal rates and Medicare deadlines. This is what it actually looks like to work through the decisions with an advisor, one conversation at a time, on your timeline.
"Most people who reach out already know the general shape of their number. What they want to see is how the pieces work together once the paycheck stops."
— Brad Blackburn, Dyadic Financial Management
Audit, Engineer, Sustain, applied to retirement
Every engagement starts with the same three steps. Here's what each one creates when retirement is the transition in question.
Where you actually stand
- Full review of retirement accounts, Social Security timing options, and pension elections
- Healthcare cost gap identified for the years before Medicare eligibility
- Current withdrawal assumptions tested against actual spending needs
- Tax exposure across account types mapped before any withdrawals begin
A plan for the transition
- A withdrawal sequence built to manage tax impact year over year
- A Social Security claiming strategy matched to the full financial picture
- Healthcare coverage bridged before Medicare starts
- South Carolina-specific tax considerations addressed directly
Once you've retired
- Ongoing monitoring as spending, markets, and tax law shift
- Adjustments as required minimum distributions begin
- A standing point of contact, not a one-time transaction
This is what we would actually be doing
Two of our services map directly to retirement. The rest are in practice there if your situation calls for it.
Retirement planning
Coordinating income sources, timing, and tax exposure as you move from earning to drawing down.
Learn more →Distribution planning
Sequencing withdrawals to manage the tax impact of every dollar you take out.
Learn more →hear it from Brad
If you're approaching retirement, here is how I would actually work with you
A short, direct conversation. No pitch, just what the first few weeks look like.
Not sure you are ready to commit to a full Audit? Start smaller.
A 15-minute Fit Call is a short, no-pressure conversation to see whether this is the right kind of help for your situation. No forms, no obligation.
Or call 803-708-4727, Monday to Friday, 9 to 5.
full-time fiduciary
Whose side are we on? Yours.
We serve as a fiduciary in advisory relationships. Through LPL Financial we operate independently, so what we recommend is what we believe is right for your situation. Securities and advisory services are offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
Not sure we are the right fit?
That is a fair outcome of a first conversation too. We would rather tell you plainly than take on a relationship that is not a good match.