Retirement Income Strategy Planning

Transitioning from earning a paycheck to creating your own retirement income can be one of life’s most complex financial shifts. Many individuals enter this stage—known as the decumulation phase—feeling uncertain and overwhelmed. Questions arise: How much can I safely withdraw? When should I take Social Security? What about taxes, Medicare, or rising costs? At 100Retire, we help you bring order and clarity to this critical phase so your income, investments, and lifestyle work together with purpose and precision.

Led by Joel Marius, RICP®, a financial professional with over 25 years of experience, our approach is rooted in the advanced training of the Retirement Income Certified Professional (RICP®) program. Joel specializes in helping pre-retirees and retirees transform their lifetime of savings into a coordinated, sustainable retirement income plan—one that adapts to changing markets, tax laws, and personal needs.

The retirement landscape has changed. Pensions are rare, healthcare costs are rising, and retirees are living longer than ever before. The decisions made during this stage—especially in the first few years—can determine whether your savings will last the rest of your life. Without a structured income strategy, retirees risk drawing down assets too quickly, triggering unnecessary taxes, or missing key opportunities in Social Security, Medicare, and tax-efficient withdrawals.

This is why professional retirement income planning is essential: it helps you manage risk, reduce uncertainty, and create a financial roadmap you can rely on.

Joel’s process integrates every element of retirement income into one cohesive strategy. Each plan is designed to coordinate your Social Security, pension or annuity income, investment withdrawals, and tax strategies so they all work together efficiently.

His approach includes:

• Customized income analysis: Identifying how much income your assets can support, considering longevity, inflation, and taxes.
   
• Social Security optimization: Determining the ideal claiming strategy for your age, marital status, and benefit structure.
   
• Medicare coordination: Understanding how income affects IRMAA surcharges and out-of-pocket healthcare costs.
   
• Tax-efficient withdrawal sequencing: Using Roth conversions, QCDs, and smart distribution order to help minimize taxes.
   
• Longevity and inflation risk management: Balancing growth, safety, and guaranteed income sources for a sustainable plan.
   

Using the bucket strategy, Joel divides retirement assets into three categories:

• Short-term income: Cash and conservative investments to fund near-term spending.
   
• Mid-term stability: Balanced investments to support income over the next 5–10 years.
   
• Long-term growth: Equities and inflation-hedging assets for longevity and legacy goals.
   

This structure helps you visualize where every dollar is positioned and how it supports your long-term financial well-being.

At 100Retire, we believe retirement income planning is about more than numbers—it’s about structure, clarity, and confidence. Whether you are about to retire or already retired, Joel Marius can help you organize your income sources, coordinate your benefits, and understand the decisions that define lasting financial independence.

The right plan begins with one conversation. Schedule your personalized Retirement Income Strategy Session today and discover how clear, coordinated planning can help you move forward with confidence and direction.