Who We Serve/Retirees
Already retired

Retirement isn't the finish line — it's when planning gets harder

Turning a portfolio into a paycheck, keeping the tax bill down, and protecting the surviving spouse. Handled by a CFP® professional who is also an Enrolled Agent.

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Accumulating was the simple part. Spending it down is the hard part.

For thirty years the job was straightforward: save more, own stocks, ignore the noise. Now every decision has a tax consequence, a sequencing consequence, and a surviving-spouse consequence — and there's no paycheck arriving to fix a mistake.

The risks change shape in retirement. It's no longer just market risk. It's withdrawing from the wrong account, a Medicare surcharge triggered by a one-time gain, an RMD that pushes you into a higher bracket for a decade, and a plan that only one spouse understands. Those are the ones we're paid to see coming.

Sound Familiar
If you're thinking any of this
"Am I taking out too much? Nobody has ever told me a safe number."
"My Medicare premium jumped and I don't know what I did."
"I turn 73 soon and I keep hearing RMDs will be a tax problem."
"Should someone my age still own this much in stocks?"
"If something happens to me, my spouse has no idea where anything is."
"We'd like to help the kids now. Can we afford to?"
What We Handle
A paycheck, a tax plan, and a plan for both of you
No. 1
A paycheck from the portfolio
A defined monthly amount that hits your checking account, funded from a cash reserve so you're never forced to sell into a down market. Reviewed annually against spending, inflation, and what the portfolio can actually support.
No. 2
Withdrawal sequencing
Which account each dollar comes from — taxable, traditional, or Roth — changes your lifetime tax bill materially. We set the order deliberately each year around brackets, capital gains rates, and IRMAA thresholds.
No. 3
RMDs, QCDs, and the bracket cliff
Required distributions start at 73 and rise every year after. We plan the years before them with conversions, and the years after with qualified charitable distributions that satisfy the RMD without adding to income.
No. 4
Medicare and IRMAA management
Medicare premiums are set by your income from two years earlier, and crossing a threshold by one dollar raises them for the whole year. A large conversion, a home sale, or a big gain gets checked against those brackets before it happens.
No. 5
Long-term care and the what-ifs
What a few years of care would do to the plan, whether existing coverage is worth keeping, and how self-funding would actually work. Stress-tested honestly rather than sold a policy.
No. 6
The surviving spouse plan
One Social Security check disappears, and the survivor files as single at higher rates on similar income. We model it in advance, fix beneficiaries and titling, and make sure the less-involved spouse knows exactly who to call.

One fee covers the whole relationship

Every service below is included in the advisory fee. Nothing here is an add-on, and nothing here pays a commission.

No. 01
Retirement Planning
Social Security timing, withdrawal order, and income that lasts.
No. 02
Tax Planning
Year-round strategy from an Enrolled Agent, built into every decision.
No. 03
Investment Management
Tax-aware portfolios built around your goals and timeline.
No. 04
Estate & Legacy
Beneficiaries, titling, and coordination with your attorney.

Blended advisory fee from 1.50% to 0.75%, no account minimum. See the full fee schedule →

Common Questions
Fair questions, straight answers
Is it too late to start planning now that I'm retired?
No. The biggest tax opportunity most retirees have sits between the last paycheck and the first RMD, and a lot of people are living in it right now without using it. Withdrawal order, conversion room, IRMAA management, and charitable strategy are all still fully in play.
How much can I safely withdraw?
There's no single right number — the popular rules of thumb assume a fixed 30-year retirement and ignore taxes, pensions, and the fact that real spending goes up, then down, then up again for healthcare. We model your actual spending pattern and revisit the number annually rather than setting it once.
Should I still own stocks at my age?
Almost certainly some. A retirement that could run thirty years faces inflation risk as much as market risk, and an all-bonds portfolio is not the safe choice it feels like. The right question isn't your age, it's how many years of spending you can cover without touching equities.
What happens to my spouse if I die first?
Financially, the smaller of the two Social Security benefits goes away and the survivor begins filing as single — often at a higher rate on income that barely dropped. This is one of the most under-planned events in retirement, and it's part of every plan we build, along with making sure both spouses know where everything is.
We want to give to the kids and to charity. What's the smart way?
It depends which account it comes from. After 70½, giving directly from an IRA via a QCD can be far better than writing a check. For family gifts, appreciated stock, annual exclusion gifts, and education funding each have different tax outcomes. We sequence it so the generosity costs less.
Do you prepare tax returns too, or just plan?
Both. Aaron is an Enrolled Agent, so preparation is included for ongoing clients. That means the plan and the return are done by the same person — the conversion, the QCD, and the capital gain all get handled consistently instead of being explained to a preparer after the fact.
Next Step

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Golden Acre Wealth Management LLC is an investment adviser registered with the Arizona Corporation Commission (CRD #337930). Registration does not imply a certain level of skill or training. All fees are negotiable and are described fully in the firm's Form ADV Part 2A, available upon request or at adviserinfo.sec.gov. Projections and withdrawal-rate scenarios are hypothetical, rely on assumptions that will not match actual results, and are not guarantees of future outcomes. Social Security, Medicare, IRMAA, and required-distribution rules change and depend on individual circumstances; examples on this page are general in nature. Golden Acre Wealth Management does not provide legal services or sell insurance products. This page is for informational purposes only and does not constitute investment, tax, or legal advice. Past performance is not indicative of future results. CFP® and CERTIFIED FINANCIAL PLANNER® are certification marks owned by the Certified Financial Planner Board of Standards, Inc., awarded to individuals who successfully complete CFP Board's initial and ongoing certification requirements.