Investing & Income
Retirement Planningin Scottsdale, AZ
Retirement planning in Scottsdale starts with whether the nest egg will last, then a tailored, family-first plan you can actually follow. We teach as we go so income timing and withdrawals make sense before you leave work.
The hardest problem in personal finance is not building the pile; it is turning it into a paycheck that lasts thirty years and survives a bad first decade. We design a month-by-month income map from the day the salary stops — which account funds which year, how withdrawals are sequenced for tax, and when to claim what. The aim is a retirement you can stop watching the market to enjoy.
What it covers
Inside retirement planning
- A year-by-year income map from your first day without a paycheck
- Tax-sequenced withdrawals across taxable, tax-deferred, and Roth accounts
- Social Security claiming modeled to the month, for one spouse or both
- Pension and annuity elections weighed before they become irreversible
- A cash reserve sized so a bad market year never forces a bad sale
- Healthcare, Medicare, and long-term-care costs built into the plan
How it works
From first conversation to standing stewardship.
- 01
Define the paycheck
We start from the life you want to fund, not a rule of thumb — the fixed costs, the travel, the gifts — and translate it into the after-tax income the plan must deliver.
- 02
Sequence the sources
Which account to draw first is a tax decision worth years of longevity. We map the order, the Roth conversions, and the bracket management before you retire.
- 03
Time the elections
Social Security and pension choices are largely one-way doors. We model them to the year so you walk through the right one.
- 04
Review every spring and fall
Markets move, tax law changes, and life happens. Standing reviews keep the income map current and the withdrawals disciplined.
A second opinion on this, in writing and without obligation — senior advisors, ninety private minutes.
Related services
Often part of the same plan.
- I
Investment Management
Investment management in Scottsdale is about options that fit the household, a tailored strategy rather than a product push. The portfolio is built to sit inside the rest of your plan, not apart from it.
Explore - III
Financial Planning
Financial planning in Scottsdale puts accounts, insurance, and estate papers into one plan you can follow. If you could benefit from a financial professional, we invite you to see whether the fit is right.
Explore
Questions
On retirement planning.
Is there a minimum to work with Stine Wealth Management?
Most client families bring $1 million or more in investable assets, because our service model is senior-advisor time, and that time is capped per advisor. For situations below that — often the next generation of current clients — we offer a standalone written plan from .
How is moving my accounts handled — and taxed?
Deliberately. We map every holding for embedded gains before anything moves, transfer in kind wherever possible, and stage sales across tax years when the math favors it. You approve each step; nothing is liquidated for our convenience.
Where are my assets actually held?
At an independent third-party custodian, titled in your name. Stine Wealth Management never takes custody of client assets; we direct investments under a written policy you sign, and you can see every position and every fee on the custodian’s own statement.
The first conversation costs nothing. Clarity rarely does again.
A private conversation with our senior team. Bring your questions — leave with a plain answer on whether we can help, and exactly what it would cost.