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.

Book a free intro call → See the fee schedule

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

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

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."
"If something happens to me, my spouse has no idea where anything is."
What We Handle
A paycheck, a tax plan, and a plan for both of you
No. 1
A paycheck from the portfolio
A set monthly amount, funded from a cash reserve so you never sell into a down market.
No. 2
Withdrawal sequencing
Which account each dollar comes from changes your lifetime tax bill. We set the order every year.
No. 3
RMDs, QCDs, and the bracket cliff
Roth conversions in the years before 73, qualified charitable distributions after.
No. 4
Medicare and IRMAA management
Premiums are set by your income from two years earlier. Large gains get checked against the brackets first.
No. 5
Long-term care and the what-ifs
What a few years of care would do to the plan, stress-tested rather than sold a policy.
No. 6
The surviving spouse plan
One Social Security check stops and the survivor files single. We model it before it happens.

One fee covers the whole relationship

All four are included in the advisory fee; return preparation is quoted separately as a flat fee. Nothing here pays a commission.

No. 01
Retirement Planning
No. 02
Tax Planning
No. 03
Investment Management
No. 04
Estate & Legacy

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 window most retirees have sits between the last paycheck and the first RMD, and most people are living in it without using it.
We want to give to the kids and to charity. What's the smart way?
It depends which account it comes from. After 70½, a QCD straight from the IRA usually beats writing a check; for family, appreciated stock and annual exclusion gifts each land differently.
Do you prepare tax returns too, or just plan?
Both. Aaron is an Enrolled Agent, so the plan and the return are handled by the same person. Return preparation is quoted separately as a flat fee.
Next Step

Get a second opinion on the plan you're living

A free 30-minute call. If everything is already in good shape, we'll tell you that.

Book a free intro call →

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Golden Acre LLC dba Golden Acre Wealth Management 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.