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What a Corbel plan covers.

Eight pieces, each one carrying the next. We build them in order, from your cash flow up to the paycheck you'll live on, and we keep them current for as long as you work with us.

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Retirement income. A monthly paycheck from your savings, a date range you can count on, and the order you draw from each account.

Social Security and Medicare. When each spouse should claim, what it means for the survivor, and which Medicare path fits your doctors.

Tax planning. Roth conversions in the low-tax years, withdrawal order, and a spring review with your CPA.

Investments. Low-cost portfolios built around the paycheck, managed by us inside ongoing advice.

Business exit. For owners: what you pay yourself, the right company retirement plan, and a sale or handoff timeline.

Insurance. Life, disability and long-term care reviewed by people with nothing to sell you.

Estate. Beneficiaries, titling and the documents you need, coordinated with your attorney.

Cash flow. What you spend, what you save, and what retirement will really cost. Everything else rests on this.

Two ways in

Same plan, different starting point.

Families start with the retirement date. Owners start with the business, because it usually decides the date.

Families ten years out

Usually 5 to 10 years out

You have a 401(k), maybe an old pension, a house that's nearly paid off, and a nagging sense you should know more by now. We turn that into one clear picture.

  • A retirement date range, tested against bad markets
  • When each of you should claim Social Security
  • Health coverage from the day you leave work until Medicare
  • Which account pays the bills first, and why
  • Help for a parent or a grown kid without derailing the plan

Common first question: "Can we retire at 62, or do we need to wait?"

Small business owners

Trades, practices, family companies

The business pays for everything, and most of your wealth is tied up in it. We plan the company and the household together, with your CPA in the loop.

  • Owner pay and distributions that make sense at tax time
  • A 401(k), SEP or cash balance plan sized for the company
  • A realistic value range and what a sale would net you
  • A handoff timeline to a buyer, a partner or the family
  • Life after the sale: income, purpose and the first year

Common first question: "What is the business worth to me, after taxes?"

A page from a plan

Your paycheck, year by year.

Every plan has a page like this. It shows where each month's income comes from, from the day you stop working until your mid-seventies, against what you actually spend.

This example household retires at 62, works part time for three years, lets savings carry the gap, and claims Social Security at 67 so the larger benefit lasts for both of their lives.

  • Social Security
  • Savings withdrawals
  • Part-time work
  • Monthly spending, $8,200
Retirement paycheck by ageExample household
$8,200 spending
Monthly income in today's dollars. An illustration of how a plan reads, not a projection for any client.
Hands over notes and two open laptops during a planning meeting

Two meetings, then a written plan

Numbers first. Decisions second.

In the first meeting we walk through what we found: where you stand, what retirement costs, and what changes the answer. You go home and think. In the second we make the calls together and you leave with a written plan and a short list of things to do, with dates.

Weeks from first call to plan
About 6
Pages of homework for you
1
Products we'll try to sell you
0

After the plan

A year of ongoing advice.

Most clients stay on for ongoing advice. Here's what a typical year holds, besides answering the phone when something comes up.

  1. Q1January to March

    Tax season review

    We read your return with your CPA and set this year's contributions.

  2. Q2April to June

    Portfolio and insurance

    Rebalancing, a cash reserve top-up, and an insurance check.

  3. Q3July to September

    Mid-year check-in

    Spending against plan, any life changes, and the retirement date re-tested.

  4. Q4October to December

    Year-end moves

    Roth conversions, required withdrawals, giving, and your work benefits and Medicare plans during open enrollment.

Tap a quarter to jump to it

I wanted to know if I could stop working at 63. The answer was yes, if I waited on Social Security. Seeing it laid out year by year is what let me sleep.

Retired nurse, Mount Pleasant, SCA current client. Not paid or otherwise compensated for this statement, and no other conflicts of interest. One client's experience, which may not be representative of others'.

See where your plan would start.

A free 30 minute call. Bring a rough idea of what you have and the question that keeps coming back.

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