Retire on Your Terms — Sooner Than You Think
Retirement planning isn't just about accumulating a number. It's about building an income strategy so reliable that you never have to worry about running out of money. At Meridian, that's exactly what we deliver.
Start Your Retirement Plan"Thanks to Meridian, I retired three years earlier than planned. I was skeptical that anyone could really put together a plan that gave me this kind of certainty, but James and his team delivered. My wife and I have never slept better."
— Robert M., Retired Executive, Hartford, CT
Retirement Income Planning Done Right
Most financial advisors treat retirement as an accumulation problem: save enough and hope the markets cooperate. Meridian takes a fundamentally different approach — we engineer your retirement income from the ground up, creating a plan that will guarantee you'll never outlive your money regardless of what markets do.
Our retirement planning engagements are comprehensive, deeply personalized, and built around your specific numbers — not generic rules of thumb.
What's Included in Your Retirement Plan
Retirement Income Architecture
We segment your retirement assets into purpose-built buckets — near-term spending reserves, mid-term income generators, and long-term growth engines — to ensure you always have liquidity for daily expenses while your long-term assets continue to compound.
Social Security Optimization
For most retirees, Social Security is their single most valuable asset. We model every filing scenario across your household — including survivor benefits, restricted application strategies, and file-and-suspend variations — to identify the claiming strategy that maximizes your lifetime benefit.
Healthcare & Long-Term Care Planning
Healthcare is the largest wildcard in any retirement plan. We integrate Medicare planning, supplemental coverage analysis, and long-term care funding strategies to protect your plan from being derailed by a health crisis.
Roth Conversion & Tax Sequencing
We identify the optimal windows in your retirement income plan to execute Roth conversions, harvest capital gains at favorable rates, and sequence withdrawals across taxable, tax-deferred, and tax-free accounts to minimize your lifetime tax burden.
Required Minimum Distribution Planning
For clients with significant IRA or 401(k) assets, RMDs can create unexpected tax spikes in retirement. We build proactive strategies to manage your RMD trajectory — including qualified charitable distributions and strategic Roth conversions — well before they become a problem.
Survivor & Legacy Planning
We stress-test your retirement plan against the death of a spouse, including the loss of Social Security income and pension survivor benefits, to ensure neither partner is left financially vulnerable.
Our Retirement Planning Process
- Discovery Meeting — We gather your complete financial picture: income sources, assets, liabilities, tax situation, Social Security projections, pension benefits, and lifestyle goals.
- Retirement Income Analysis — We model multiple retirement scenarios — early retirement, phased retirement, legacy-maximizing scenarios — so you can see the full range of outcomes and tradeoffs.
- Plan Presentation & Refinement — We present our recommendations in plain language, walk through the assumptions behind each projection, and refine the plan until you're fully confident.
- Implementation & Ongoing Monitoring — We implement the investment strategy, coordinate with your CPA and estate attorney, and meet with you annually (or more frequently) to keep your plan on track.
Your Best Retirement Starts Here
Whether retirement is 2 years away or 20, the best time to build your plan is now. Schedule a complimentary retirement readiness review with one of our advisors.
Schedule a Retirement Review