Key Takeaways
- The Safe Income Floor™ seeks to cover essential expenses with dependable sources rather than relying entirely on market withdrawals.
- The Flexible Spending Envelope™ helps organize lifestyle spending through the Go-Go, Slow-Go, and No-Go years.
- The Retirement Descent framework connects Social Security, income, sequence risk, inflation, taxes, healthcare, family care, and legacy decisions.
- Annual reviews help refill income reserves, revisit tax windows, update healthcare choices, and keep beneficiary and family plans current.
