Retirement Income
We help you explore ways to turn savings into an income stream designed to support your regular expenses and retirement lifestyle.
Learn more →Retirement Planning Is About More Than Reaching a Number
You have spent years building your savings and investments. Now the challenge is turning those savings into a retirement strategy designed to support your lifestyle, manage risk, reduce unnecessary taxes, and prepare for the unexpected.
Education before decisions. No pressure — just a clearer understanding.
Tough Questions Most of Us Will Likely Face
Here are some tough questions most of us will likely face that should be addressed:
- How much income can I safely take?
- Will my money last for the rest of our lives (if married)?
- How will inflation affect my purchasing power?
- What happens if I need long-term care?
- Am I taking too much investment risk — or not enough?
- Could taxes reduce more of my retirement income than I expect?
- How can I create dependable income without giving up all access to my money?
Others may include protecting a surviving spouse and making sure significant assets are left behind to create a legacy.
Our role is to help you understand your choices and create a retirement strategy based on your goals, concerns, resources, and time horizon.
A More Coordinated Approach to Retirement
A strong retirement plan should not look at income, investments, taxes, healthcare, and estate concerns as separate issues. Each decision may affect the others. Our planning process focuses on several important areas.
Inflation Protection
We review how rising costs may affect your spending power and discuss strategies that may help your income keep pace over time.
Learn more →Long-Term Care Planning
We help you consider how an extended care need could affect your savings, your spouse, and your family.
Learn more →Tax Mitigation
We examine how different accounts and income sources may be taxed and identify opportunities to make retirement withdrawals more tax-efficient.
Learn more →Risk Management
We help you understand the difference between market-based growth, principal protection, liquidity, income guarantees, and other important tradeoffs.
Learn more →Retirement Planning Should Bring Clarity
You do not need to predict every future event. You do need a strategy that helps you make informed decisions and adjust as your life changes. Whether retirement is a few years away or has already begun, a thoughtful review can help answer important questions and identify potential gaps before they become problems.
What Our Clients Say
Real feedback from clients who worked with National Planning Associates.
“Jay is a terrific fellow to work with. He's knowledgeable and shares that knowledge in an understandable way. I worked with him as I transitioned from full-time work to retiree status. I was presented with options to maximize my retiree streams of income, but never pressured and we built a great plan for myself and my 2 daughters. I appreciate his guidance and highly recommend him.”
Leila E., MD
Retired from The Permanente Medical Group
“Jay's retirement analysis service did a nice job of projecting out what my tax picture would look like, where I was headed with income scenarios, taxes, fees and other expenses. It was an eye opener. There's a lot to it. I have a good chunk in my Profit Sharing and 401(k)s, and always wondered how that's gonna shake out with the government.”
Peter Yellin, MD (Retired), CEO
Virtual Treatment Practice
“I urge you to heed this message. Jay has helped me develop a tangible and structured plan. And you know I have now and will have increasing amounts of tax-advantaged cash that is also very liquid. So when I see an opportunity I've got the means to get in and stay within my framework. Numbers don't lie.”
Edwin C.
VA Physician, Ohio
“Jay, I love that you listen so well and each time I express a concern you examine it and offer alternatives. That is true customer service, and plain old caring.”
JM
Client, North Carolina
Schedule a Retirement Strategy Consultation
A consultation is an opportunity to discuss your current situation, retirement goals, income needs, concerns, and existing financial arrangements. There is no one-size-fits-all retirement strategy. The first step is understanding what matters most to you.
Schedule a Retirement Strategy Consultation
Retirement creates important financial decisions, and those decisions are often easier when you have a clear process and someone to help you evaluate your choices. Speak directly with Jay Winestein or a senior planner at National Planning Associates.
- (602) 448-0263
- jay@nationalplanningassociates.com
- 1444 S Belcher Rd #164, Clearwater, FL 33764
- Hours: Monday–Friday, 10am–5pm
What Retirement Question Is Most Important to You?
Tell us what concerns you most about retirement. We will contact you to schedule a conversation and discuss whether our planning process may be helpful.