Retirement Planning
Retirement planning in St. Louis.
A plan for income that lasts, stress-tested against the retirement you have in mind. The question is not only how much you have saved, but how to turn it into dependable income.
Income that lasts as long as you do.
Retirement planning at Detalus answers the practical questions: when you can retire, how much you can spend, and how to draw income in a way that lasts. We model your sources, sequence withdrawals, and time decisions like Social Security to work in your favor.
We stress-test the plan against long lifespans, market downturns, and rising costs, so the retirement you picture holds up under the conditions you cannot predict.
What is included
- Retirement income strategy across all of your accounts
- Withdrawal sequencing to manage taxes and longevity
- Social Security timing analysis
- Stress testing against down markets and long lifespans
- Coordination with your wider wealth and legacy plan
How we approach retirement planning
We document your accounts, timeline, and the retirement you want, then build and benchmark the income plan with fees and scope in writing. Reviews keep the plan current as markets move and your retirement date approaches.
Retirement Planning
Common questions.
When should I start retirement planning?
The most valuable planning happens in the years before retirement, when decisions about saving, withdrawal order, and Social Security still have room to change the outcome. Earlier is better, but it is rarely too late to improve the plan.
Can you help decide when to take Social Security?
Yes. Social Security timing is one of the largest levers in a retirement plan, and we model the trade-offs against your other income sources and your expected longevity.
Are you a fiduciary?
Yes. Detalus is an SEC Registered Investment Advisor, held to a fiduciary standard and obligated to act in your best interest.
Related services
Part of one coordinated plan.
Build income that lasts your retirement.
A consultation is a documented review of where you are and what it will take to reach what you have named. No obligation.
SEC Registered Investment Advisor · Fiduciary · Serving St. Louis since 1999