Retirement Income
$102,000
of $115,000 annual income goal
Social Security
42%
Portfolio
38%
Pension
20%
Financial Advice under the fiduciary standard
Led by a CFP® professional
Northfield + virtual nationwide
The Bigger Picture
Turn a collection of accounts into a retirement strategy.
Retirement planning is more than hitting a number or picking a date. It means deciding when to stop working, when to claim benefits, how to create income, which accounts to use first, and how to adjust when life or markets change.
Know what's possible
See what your savings, pensions, benefits, and spending can realistically support.
Create dependable income
Coordinate withdrawals, Social Security, pensions, and cash reserves so you know where your income is coming from.
Plan for change
Plan for healthcare costs, family needs, market changes, and the things you cannot predict yet.
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Ready to make money feel simpler?
Let's talk about where you are, what matters most, and whether Stonevale is the right fit.
See If We're A Fit
Icon of a checklist with three checkboxes and lines representing text on a dark background.

Retirement Readiness

Figure out what you can reasonably spend and which decisions could put you in a better position before retirement.

Retirement Income

Decide where retirement income should come from and which accounts to use along the way.

Social Security

Compare when to claim Social Security based on taxes, life expectancy, and the rest of your household income.

Investment Strategy

Adjust the portfolio so you have money available for near-term needs while still investing for the years ahead.

Medicare and Healthcare

Plan for Medicare enrollment, coverage choices, out-of-pocket costs, and potential income-related surcharges.

Legacy and Estate Coordination

Coordinate beneficiaries, charitable goals, and estate planning with the rest of your financial plan.
Who It's For
This may be a good fit if...
  • You’re within about ten years of retirement
  • You’re deciding when to claim Social Security or start taking portfolio withdrawals
  • You recently retired and are figuring out how to turn savings into spending
  • You want a second opinion before making a retirement decision that may be hard to undo
How It Works
A practical process, explained clearly.
01

Map it out

We organize your accounts, benefits, expected spending, and important dates so you can see where retirement income will come from.

02

Pressure-test the plan

We test different retirement dates, spending levels, market conditions, and Social Security strategies to see what holds up.

03

Put the plan into action

We help coordinate rollovers, withdrawals, tax decisions, Medicare, and portfolio changes as you move into retirement.

How do I know whether I can afford to retire?

We look at what you expect to spend, where your income will come from, how your investments may support withdrawals, and how taxes and healthcare costs fit in. Then we test how the plan holds up over time, including inflation and different market conditions.

When should I claim Social Security?

There is no single best age for everyone. The right timing depends on your health, life expectancy, marital benefits, work plans, taxes, other income, and how Social Security fits into the rest of your retirement plan.

How should my investments change near retirement?

Your portfolio should reflect how much you expect to spend, when you will need the money, and how much risk you can comfortably take. Retirement usually means paying more attention to cash and near-term withdrawals, not automatically becoming a conservative investor.

Can you help with Medicare and IRMAA planning?

Yes. We can look at Medicare enrollment timing, potential IRMAA surcharges, and how income and tax decisions may affect what you pay. We do not sell Medicare insurance or plans.

Can I get a one-time retirement analysis?

Yes. Hourly planning is available if you want help with a specific retirement question, a second opinion, or a retirement-readiness review without signing up for ongoing investment management.

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