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Retirement Planning in Rhinebeck, NY

If you plan to retire within the next five years, or have recently retired, the decisions you make now can shape your income for decades. Darlene Pedrosa, CFP®, EA, helps you see how the pieces fit together so you can make those decisions with a clearer view of the tradeoffs.

Who this is for

  • People within about five years of retirement who want to know whether their plan is on track
  • Recent retirees turning savings into a reliable paycheck
  • Couples coordinating two sets of benefits, pensions, and accounts
  • Educators and public employees coordinating a pension with 403(b) or 457 savings

What we work on together

  • A spending plan. What you expect to spend, what is essential versus flexible, and how that may change over time.
  • Income sources. How Social Security, pensions, and savings can work together, including when to claim benefits.
  • Withdrawal order. Which accounts to draw from, and when, with attention to taxes. See retirement tax planning.
  • Healthcare. Bridging to Medicare and planning for premiums and out-of-pocket costs.
  • Scenario testing. How your plan could hold up under different market returns, inflation, longevity, or an early loss of a spouse.
  • Investments. Aligning your portfolio with your withdrawal needs. See investment management.

How it works

  1. Introductory call. A 15-minute conversation about your situation and whether we are a good fit.
  2. Discovery. We gather your statements, benefit estimates, and goals.
  3. Your plan. We review your retirement income plan together, including the tradeoffs of different choices.
  4. Implementation and review. We help put the plan in motion and revisit it as your life, the markets, and tax laws change.

Learn more about how financial planning and fees work.

Next step

Start with a 15-minute introductory call at no cost. We’ll talk about what’s on your mind and whether working together makes sense.

Schedule a 15-minute introductory call

Prefer to call? 845-681-1130. Meetings are held at our Rhinebeck office or virtually.

This information is general in nature and is not intended as specific tax, legal, or investment advice. Investing involves risk, including possible loss of principal. No strategy assures success or protects against loss.