Retirement Planning
Bringing the Pieces Together
A successful retirement isn’t built on guesswork. It’s the result of careful planning, detailed analysis, and thoughtful coordination — fitting all the pieces together to create a life that feels as good as it looks on paper.
At McCarley & Cook, we use multiple financial planning tools to rigorously model and test the sustainability of your retirement strategy under a variety of real-world scenarios. Our process goes beyond simple projections — we model different approaches to make sure your plan holds up, not just today, but decades into the future.
A Retirement Plan as Individual as You Are
When we build your retirement plan, we consider the full picture:
- Social Security Optimization
Carefully timing Social Security elections for you and your spouse to maximize benefits over your lifetime. - Medicare Planning
Helping you choose the right Medicare strategy — from Parts A, B, and D to Medigap and Advantage plans — to protect your health and your finances. - Customized Spending Strategies
Designing a retirement income plan that reflects the natural rhythm of retirement: enjoying more in the early "Go-Go Years," adjusting spending in the "Slow-Go Years," and preparing for the later "No-Go Years." - Coordinating Income Sources
We organize your 401(k)s, IRAs, Roth accounts, investment portfolios, pensions, and inheritances to create a tax-efficient, sustainable income stream. - Building Reserves for the Unexpected
Life doesn't always go according to plan. We help you build financial flexibility into your retirement, with reserves set aside for healthcare events, family needs, or new opportunities.