Retire With Confidence – A Smarter Approach to Retirement Planning

We help you maximize income, minimize taxes, and build a retirement strategy that lasts a lifetime.
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Retirement Shouldn’t Be Stressful—But It Often Is

You’ve worked hard to build your wealth, but now the big questions start…

✔️ Do I have enough to retire comfortably?

✔️ How do I create reliable income that lasts?

✔️ Am I paying too much in taxes on my retirement savings?

✔️ What happens if the market crashes after I retire?

✔️ Will I run out of money later in life?

If you’re asking yourself these questions, you’re not alone. The reality is, retirement is more than just hitting a savings goal—it’s about knowing your money will last. That’s where we come in. Our retirement planning process gives you clarity, confidence, and a plan that works no matter what happens in the economy.

Schedule a Free Strategy Session →

Your Retirement Plan—Built for Security, Growth & Peace of Mind

Retirement planning isn’t just about saving—it’s about knowing your money will last. Here’s what your personalized plan includes:

Reliable Income That Lasts

We create a plan for predictable income so you don’t have to worry about running out of money.

Minimizing Taxes in Retirement

We help reduce unnecessary taxes on your investments, Social Security, and retirement accounts.

Protecting & Growing Your Wealth

Your portfolio should support your lifestyle while protecting against market downturns.

Maximizing Social Security & Medicare

We guide you through benefit timing to optimize your retirement income.

Protecting Your Legacy

Ensure your wealth is protected and passed down exactly how you want.

Keeping Your Plan on Track

Your needs change over time, and we’ll adjust your plan to keep you on track.

See what your retirement plan could look like.

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Why Choose Talley Financial?

There are plenty of financial advisors out there—but not all of them specialize in retirement planning the way we do. Here’s what makes our approach different:

Advice You Can Trust

As a CFP®, we are held to the fiduciary standard—meaning we always act in your best interest. Our focus is on strategy, not just products.

Minimizing Taxes, Maximizing Wealth

Our strategies help you keep more of your money with tax-efficient retirement withdrawals and smart planning.

A Personalized Approach to Your Future

You’re not just another account—we build lasting relationships with our clients and adapt your plan as life changes.

Retirement Planning That Evolves With You

Your financial needs will change, and we’ll be here every step of the way to adjust and optimize your plan.

Retirement Planning FAQs

Planning for retirement comes with big questions, and getting the right answers can make all the difference. Here’s what you need to know:

  • How much money do I need to retire comfortably?

    A common guideline is the 4% rule, which suggests that if you withdraw 4% of your portfolio per year, your money should last 30+ years. This means if you need $80,000 per year, you’d want about $2 million saved.


    But the reality is, this rule isn’t perfect. It doesn’t account for:

     • Taxes on withdrawals

     • Market downturns

     • Healthcare costs

     • Inflation & cost-of-living increases


    At Talley Financial, we calculate a personalized “safe withdrawal rate” based on your actual expenses, income sources (Social Security, pensions), and tax situation to make sure your money lasts.


    Bottom Line: You don’t need a magic number—you need a plan that fits your lifestyle and spending needs.

  • How can I minimize taxes in retirement?

    Most retirees don’t realize that taxes could be one of their biggest expenses. Without proper planning, you could lose 20-30%+ of your retirement income to unnecessary taxes.


    Key tax-saving strategies we use:

     • Roth Conversions – Converting pre-tax retirement funds to tax-free Roth IRAs before Required Minimum Distributions (RMDs) hit.

     • Tax-Efficient Withdrawals – Choosing which accounts to withdraw from first (pre-tax, Roth, taxable) to keep taxes lower.

     • Strategic Social Security Timing – Claiming Social Security too early could lead to higher taxable income down the road.

     • Capital Gains & Investment Tax Planning – Managing taxable investments to minimize capital gains taxes.


    Bottom Line: Retirement tax planning isn’t just about what you earned—it’s about what you get to keep.

  • What if the market crashes after I retire?

    Market downturns are inevitable—but they don’t have to derail your retirement.


    One of the biggest risks retirees face is sequence-of-returns risk—losing money early in retirement when withdrawals are happening.


    How We Protect Against Market Crashes:

     • Bucket Strategy – Dividing assets into short-term (safe cash), medium-term (income-focused), and long-term (growth).

     • Cash Reserves – Keeping 1-3 years’ worth of expenses in safe, non-stock market assets to avoid selling at a loss.

     • Dynamic Withdrawals – Adjusting withdrawal rates during market downturns to preserve capital.


    Bottom Line: A smart retirement plan prepares for market downturns before they happen—so you’re not forced to sell at the worst time.

  • When should I start taking Social Security?

    Timing Social Security can mean the difference between leaving tens of thousands on the table—or maximizing your benefits.


    Your benefits increase 8% per year for every year you delay past full retirement age (FRA) until age 70. But delaying isn’t always best.


    Key Factors in Deciding When to Claim:

     • Your Health & Life Expectancy – If longevity runs in your family, delaying benefits may be smarter.

     • Other Income Sources – If you’re still working or have significant savings, waiting could result in lower lifetime taxes.

     • Spousal & Survivor Benefits – If married, your claiming decision affects what your spouse will receive after you pass.


    Bottom Line: There’s no one-size-fits-all answer—your Social Security strategy should be based on your total financial picture.

  • What happens if my financial situation changes?

    Retirement is not a “set it and forget it” plan.


    Life happens—unexpected expenses, changes in health, market fluctuations, or tax law adjustments. A good retirement plan evolves with you.


    How We Keep Your Plan On Track:

     • Annual Reviews & Adjustments – We reassess your spending, income sources, and investments each year.

     • Tax Law & RMD Adjustments – New laws (like Secure Act 2.0) can impact Required Minimum Distributions (RMDs). We make sure you’re tax-efficient.

     • Long-Term Care & Estate Planning Updates – Ensuring your plan protects you and your family’s future.


    Bottom Line: A good financial plan isn’t just about retirement—it’s about adapting to life’s unexpected changes.

Your Retirement, Your Way—Let’s Make It Happen

Retirement isn’t just about numbers—it’s about creating a strategy that works for you. Whether you’re preparing to retire in a few years or need to refine your current plan, we’re here to help.

Schedule Your Free Strategy Session Today
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