Your entire financial world. Systematized.
Retirement planning that protects what you've built, and makes it last.
Most retirement plans are built to get you to the finish line. Ours are built for everything after.
Tax-efficient withdrawals, guaranteed lifetime income, and sequence risk handled. One plan, everything covered.
Confidential. No contracts, zero obligation.
What most retirement plans get wrong.
Wrong withdrawal order
Pulling from accounts in the wrong order creates tax drag that compounds over decades, and most people don’t catch it in time.
Poor sequence management
A downturn in your early retirement years hits differently than one fifteen years in. Without a strategy, you sell shares at the worst possible time.
No income floor
Investment returns are not income. Without a guaranteed income base, every market move threatens your lifestyle.
Sequence of return risk. The retirement threat most people never plan for.
Sequence of return risk is the danger that poor market performance early in retirement permanently damages your portfolio. That’s because withdrawing during a downturn depletes principal at the worst time, on shares that never recover.
The five years before retirement through ten years after is the red zone, when your portfolio is largest and your exposure peaks. Managing it takes cash reserves, dynamic withdrawal adjustments, and allocation shifts that lower volatility, not diversification alone.
Tax-efficient withdrawal strategy
Most people reach retirement with money across taxable, tax-deferred, and tax-free accounts. The order you withdraw from them shapes your tax bracket, your Medicare premium exposure, and how much you pass on.
The years between retirement and age 73 are your most valuable window: income is lower, RMDs haven’t started, and the door is open for Roth conversions and bracket management.
A tax-efficient strategy minimizes total lifetime tax, not just this year’s bill.
Fixed indexed annuities. Market-linked growth without market risk.
A fixed indexed annuity grows your retirement money by tracking a market index, without putting your principal in the market’s path. Growth is credited when the index rises, and your account doesn’t lose value when it falls.
That floor matters most in the distribution phase, when it protects the dollars funding your near-term income. Paired with a guaranteed lifetime income option, an FIA becomes a private pension. Income you can’t outlive.
Find out exactly what your retirement is worth.
A free consultation with a Visionary Capital Financial Strategist maps your withdrawal strategy, finds your tax exposure, and closes the gaps.
Disclaimer: Consultations are confidential and carry no obligation.
Guaranteed retirement income. The foundation everything else is built on.
Investment returns are variable. Retirement expenses are not.
Private pensions
Guaranteed lifetime income built for the distribution phase, steady income that holds regardless of the market.
IUL as a retirement vehicle
Indexed universal life insurance: tax-advantaged accumulation, built-in downside protection, tax-free income in retirement.
Social Security optimization
Claiming at 62 versus 70 can mean a significant difference over a lifetime. We model the timing into your income plan.
Long-term care. The retirement expense most plans don't account for.
Long-term care can unravel a retirement plan fast. Costs run over $3,000 a month and keep rising. Without a plan, that comes straight out of the portfolio you spent decades building.
We build LTC strategy into your retirement income and distribution plan, so your assets stay protected whatever your health brings.
Built for people with real complexity
High-net-worth individuals
Multiple account types, deferred compensation, concentrated positions. Coordinating them in the distribution phase is where it gets sophisticated.
Business owners & executives
Your retirement timeline is tied to your exit. Deferred compensation, company stock concentration, and the tax treatment of how you unwind it need planning years ahead.
Builders & operators
Construction owners, engineering consultants, service operators. You built something strong and complex. Your plan should match it.
Retirees & pre-retirees
Whether you’re five years out or already drawing income, the moves you make now decide how long your money lasts.
Need a retirement plan that protects what you've built?
See where your retirement plan is exposed, before it costs you.
One conversation covers your income plan, your withdrawal strategy, and every gap between. Confidential, no obligation.
What our valued clients say
PLATFORM ADVANTAGE
A platform built for every corner of your financial life.
Most firms shop one carrier and call it a plan. We shop across nearly 200 insurance carriers to find what actually fits.
With access to 4,000+ financial solutions and a strategic partner network covering tax strategy, estate planning, and payroll, every corner of your plan is covered.
One relationship, accountable for the full picture.
Our trusted service partners
Meet your Visionary Capital team
Frequently Asked Questions
About retirement planning
What is sequence of return risk and why does it matter?
Sequence of return risk is the danger that poor market performance early in retirement permanently damages your portfolio. When you withdraw from a declining portfolio, you sell more shares for the same income, and those shares don’t recover the way they would during accumulation. Managing it requires a coordinated distribution strategy.
What is NUA (Net Unrealized Appreciation) and how does it work?
NUA is a tax strategy for people with employer stock inside a qualified retirement plan. Instead of rolling the stock into an IRA where all distributions are taxed as ordinary income, you take a lump sum distribution. The cost basis is taxed as ordinary income. The appreciation is taxed at the lower long-term capital gains rate. It must be executed correctly to preserve the benefits.
How do I create tax-efficient retirement income?
Tax-efficient retirement income starts with sequencing withdrawals across account types in the right order. It also involves RMD planning, Roth conversion windows, and bracket management. The goal is minimizing total lifetime tax, not just this year’s bill.
What is the 7% rule in retirement?
The 7% rule suggests withdrawing 7% of your portfolio annually. Most research finds this carries significant depletion risk over a long retirement. A sustainable rate depends on your allocation, income sources, tax situation, and time horizon.
What is the 30 30 30 10 rule for retirement?
A framework suggesting roughly 30% stocks, 30% bonds, 30% real assets or alternatives, and 10% cash. Like most allocation rules, it’s a starting point. Yours should reflect your income sources, risk tolerance, and distribution timeline.
What not to do when planning your retirement?
The most costly mistakes include withdrawing from accounts in the wrong order, ignoring sequence of return risk around retirement, failing to plan for RMDs before they become mandatory, underestimating healthcare and long-term care costs, and treating Social Security timing as an afterthought.
How does long-term care planning connect to retirement strategy?
Long-term care can deplete a retirement portfolio faster than almost any other expense. Integrating LTC coverage into your income plan protects your assets and preserves your withdrawal strategy.
What role does life insurance play in retirement planning?
IUL can work as a tax-advantaged retirement accumulation vehicle with built-in downside protection and tax-free income in retirement. It also provides living benefits during a critical or chronic illness.
How do I maximize Social Security benefits?
Social Security maximization depends on your age, health, spousal situation, and other income. The right claiming strategy should be modeled into your full distribution plan, not decided in isolation.
How much should a retirement planner cost?
Cost varies by firm and model. What matters more is what the planning covers. A coordinated plan addressing withdrawal strategy, tax efficiency, income, and risk typically returns multiples of its cost in avoided tax and protected assets.
Is $200,000 enough to work with a Financial Strategist?
Visionary Capital works with clients who have $250,000 or more in investable assets. If you’re near that threshold, a free consultation with a Financial Strategist is worth having.
What are the 3 R's of retirement?
Typically framed as Resources (what you have), Risk (what threatens it), and Returns (how you grow and distribute it). Good retirement planning addresses all three at once.
Your withdrawal strategy is either saving you money, or costing you.
Find out which with a free consultation. We look at the full picture: tax exposure, income gaps, distribution strategy.
Disclaimer: Consultations are confidential and carry no obligation.