Retirement Planning for Retirees & Pre-Retirees

Enjoy Retirement with Confidence

Creating a Plan to Enjoy Your Retirement

Retirement is more than just the end of a career – it’s the start of a new life chapter. Whether you’re five years away from retirement or already there, you likely share a common goal: make sure your money lasts as long as you do, so you can enjoy the freedom you’ve earned. Unfortunately, many Americans face retirement with uncertainty. In fact, nearly half of retirees worry they’ll outlive their savings. At Strategic Wealth Design, our mission is to replace that worry with confidence. We provide retirement income planning and financial guidance for retirees and pre-retirees, helping you preserve your wealth, generate sustainable income, and live your golden years to the fullest.

Your Concerns

As you approach or live in retirement, your financial questions might look like these:

“Will my savings truly last through a 20- or 30-year retirement?”
“How should I invest now that I need income over growth? What’s a smart withdrawal strategy?”
“When should I take Social Security, and how do I optimize my benefits?”
“How can I plan for healthcare or long-term care costs that might come up?”
“I want to leave something for my children or grandchildren. What’s the best way to do that?”

This stage of life brings big changes: a shift from earning a paycheck to creating your own, navigating Medicare and health expenses, potentially downsizing or relocating, and juggling the desire to enjoy life with the need to stay financially secure. It’s normal to feel both excited and a bit anxious. You’ve never retired before, and it’s a journey full of important decisions.

Our Solutions

Ongoing Guidance for Every Stage of Retirement

Strategic Wealth Design serves as your guide through the retirement journey. Drawing on decades of expertise (including our Colorado team’s specialty in “financial life planning” for retirees), we help answer your burning questions and put a plan in place. Here’s how we support our retirees and pre-retiree clients:

Retirement Income Blueprint

We transform your accumulated savings – 401(k)s, IRAs, pensions, brokerage accounts – into a reliable paycheck for retirement. This means determining an optimal withdrawal rate and sequence: which accounts to tap first and how to minimize taxes on withdrawals. We’ll incorporate Social Security planning too: for example, analyzing if you should claim benefits at 62, 67, or 70 to maximize lifetime income for you and, if applicable, your spouse. The result is a month-by-month income plan so you know exactly how much you can comfortably spend, and from where.

Investment Management for Retirement

Your investment strategy should evolve as you transition from growth to income and preservation. We’ll adjust your portfolio to reduce risk (protecting you from big market downturns) while still providing growth to outpace inflation. We focus on generating income – through dividends, interest, and systematic withdrawals – to cover your needs. Importantly, we also create a “safety net” of cash reserves for the unexpected, so you never have to sell investments at a bad time. With proactive management, we aim to give you steady returns in all market conditions.

Healthcare and Long-Term Care Planning

One of retirees’ biggest worries is the cost of healthcare. We’ll help you estimate and plan for these expenses. As you approach 65, we guide you through Medicare enrollment and supplement choices. We also discuss long-term care options: should you self-fund, or would a long-term care insurance policy or hybrid life-insurance make sense to protect your assets? Our plans include provisions for medical costs, so an illness won’t derail your financial security.

Tax-Smart Withdrawals

Just because you’re retired doesn’t mean tax planning is over – in fact, it’s more important than ever. We implement strategies like Roth conversions (moving money from IRA to Roth in low-tax years), timing capital gains, and planning around Required Minimum Distributions (RMDs) to minimize taxes throughout your retirement. Keeping taxes low means your money lasts longer. We coordinate with your CPA when needed to make sure no opportunity is missed.

Estate & Legacy Planning

We help you define the legacy you want to leave. That could be ensuring your spouse is well provided for, leaving an inheritance for children, donating to causes, or all of the above. We’ll work with estate attorneys to make sure your wills and trusts align with your wishes and are tax-efficient. Additionally, we discuss beneficiary strategies (like keeping beneficiaries updated on retirement accounts) and possibly gifting strategies if you wish to see your loved ones benefit from your wealth during your lifetime. By planning your legacy, you also gain peace of mind that what happens with your assets is what you intend.

Ongoing Retirement Coaching

Retirement isn’t a one-and-done plan – life will throw curveballs. We meet with you regularly to adjust your plan as needed. If the market has a great year, maybe we increase your travel budget; if there’s a downturn, we’ll reassure you and make tactical adjustments (without panicking). If a new grandchild arrives or you decide to move closer to family, we’ll factor those into your plan. Think of us as financial co-pilots for your retirement journey, always here to answer questions and keep you on course.

Why Work With Us in Retirement

Aligning Your Finances with Your Dreams

Our approach goes beyond numbers. Yes, we bring technical expertise to maximize your retirement income, but we also bring empathy and experience to address the human side of retirement. We know this transition can be emotional – leaving a career, finding purpose, spending down savings you worked a lifetime to build. Our team listens and helps align your finances with what makes you happy and fulfilled. We celebrate your retirement dreams (be it travel, hobbies, time with family) and find ways to fund them sustainably. With Strategic Wealth Design by your side, you can step into retirement feeling prepared and supported.

Retire with Confidence

You’ve worked hard to get here. Now let’s make sure your money works hard for you. Whether you’re about to retire or already living it, it’s never too late to strengthen your plan. Schedule a Free Consultation with our team, and take the guesswork out of your financial future. Enjoy the confidence that comes from having a well-crafted retirement strategy – so you can focus on living your best life, today and every day forward.

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      Excellent rating  
 Based on 26 reviews 
    
  
 
 
      Trustindex verifies that the original source of the review is Google. The Stategic Wealth Design institution has provided great knowledge and strategies to us on building wealth for our future.  We are pleasantly satisfied  and thankful with all the years we been working with Michael Beatty. Thank You.
     
   louis goodman 
 
 
 
 
 
    Trustindex verifies that the original source of the review is Google. We are relatively new to working with Strategic Wealth Design, however, I have been very pleased with Michael Beatty and his work helping navigate through the student loan repayment process while trying to structure our future finances correctly. I would recommend them to anyone in a similar situation to ours of trying to underpin your personal finances, set up some financial strategy while paying off student loans. Their client portal is great as well. We use that for budgeting rather than the bank due to the flexibility offered.
     
   S M 
 
 
 
 
 
    Trustindex verifies that the original source of the review is Google. Mahesh and Jerrod helped my family get through the most difficult time of my life. I know I was not pleasant, but their warmth and patience never waned. They consistently responded to attorneys and CPAs throughout the process. They reviewed documents, provided thorough input, and collaborated proactively with other professionals in my life without me having to remind them or continuously nudge them. My wife and I couldn't believe such a level of service was just included. They have a way of explaining things without jargon that helps me make decisions that feel right for me. I appreciate you guys and will never forget how you helped us through a tough time.
     
   Kenneth McKay 
 
 
 
 
 
    Trustindex verifies that the original source of the review is Google. I have been working with Mahesh for close to 3 years now.  Everyone at Strategic is so knowledgeable and I love that they talk in terms I can understand.  I am a small business owner who is overwhelmed at times, but they are always there getting me back on track.  I would definitely recommend them!
     
   Jami 
 
 
 
 
 
    Trustindex verifies that the original source of the review is Google. Mahesh and Jerrod have been of the utmost help to me as financial advisors. They make concepts understandable, are patient, and wait to ensure you really understand before moving on. I recommend them to even novice investors.
     
   Denise McKay 
 
 
 
 
 
    Trustindex verifies that the original source of the review is Google. Strategic Wealth Design has helped our company with over 50 employees with setting up and managing our 401Ks. They have continually provided advice on investments for myself, my employees, and the business. Mahesh and Paolo are rock stars! They're always willing to go the extra mile to make sure our business is taken care of! I don't know what I would have done without them in our first year of adding 401k benefits to our company! Thank you!
     
   lauren rice 
 
 
 
 
 
    Trustindex verifies that the original source of the review is Google. Mahesh leads a team of top quality folks who do a top notch job - they are an absolute pleasure to work with!
     
   Edward Kainen 
 
 
 
 
 
    Trustindex verifies that the original source of the review is Google. very efficient. been with them for over 10 years!
     
   Genisa Ogden 
 
 
 
 
 
    Trustindex verifies that the original source of the review is Google. Our company has worked with Mahesh and Strategic Wealth Design for a few years now on our company sponsored retirement plan and our experiences have been very positive. Mahesh and his team have been very responsive and timely when we have questions as they work with us to find the right solutions for our organization. They provide options for the types of plans we can offer, updates on how the market is doing, and any other updates we need to be aware of. We appreciate our relationship with Strategic Wealth Design as our organization continues to grow.
     
   Jodie Marenfeld 
 
 
 
 
 
    Trustindex verifies that the original source of the review is Google. Very caring and competent staff. I am grateful they are taking care of my investments.
     
   Judy Dionne 
 
 
 
 
 
  
 
  
 
 
 
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