Retirees

We serve individuals and families who are in or near retirement and feel uncertain about what comes next, whether they’re wondering if they have enough to retire, how to draw income, or how taxes will be affected. We walk alongside these people to help them transition from saving to drawing income from retirement accounts. We help clients understand the tax impact of rollovers and withdrawals, and we build income strategies designed to preserve investment principal while supporting the lifestyle they desire. At Miller Wealth Management, our goal is to give clients the confidence and peace of mind they deserve as they move into retirement.

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Solutions We Provide

    • Timing & claiming strategy

    • Spousal and survivor benefit planning

    • Income coordination to minimize taxation

    • Medicare enrollment guidance

    • Charitable giving solutions

    • Tax-loss harvesting strategies

    • Tax-efficient account selection

    • Portfolio construction & diversification

    • Access to alternative investments

    • Ongoing monitoring & rebalancing

    • Document review & coordination

    • Beneficiary & account alignment

    • Facilitate family conversation about wealth transfer

    • Designing withdrawal strategy

    • Guidance on pension payout options

    • Cash flow management

Frequently Asked Questions

  • This can be an interesting question to solve and it is situationally dependent. Working with a wealth advisor that performs holistic planning can give you the peace of mind to know you will be comfortable in retirement when you do decide to step away from work.

  • As we know from our years of experience, investing purely in a broad market index fund will not be sufficient to cover income and manage risk in a portfolio. We use a boutique approach in solving for income sources to give a risk-adjusted return that makes sense for your lifestyle and needs.

  • Our independence as a group under EverSource Wealth Advisors gives us the ability to offer solutions that many institutions cannot. As an RIA, we can move quickly to approve suitable opportunities. We have an emphasis in private markets to help limit public markets exposure to our clients that need additional income sources.

  • This is the time period where it is crucial to consult with your advisor about strategy and planning as you make your way into retirement. Typically we sit down with clients in this stage to ensure that they have the proper asset allocation, the right insurance and the right head space around this big transition.