The Retirement Planning Framework
A proactive planning system designed for women approaching and in retirement.
Three Lanes of
Retirement Coordination
Retirement Coordination
Investment Management
Financial Planning
Tax & Distribution Strategy
Column 1
January
February
March
April
February
March
April
Early-Year
Planning
Planning
Income & Tax Strategy Setup
Client Meeting
Annual Retirement
Planning Meeting
Planning Meeting
Planning Focus
- Retirement income strategy
- Social Security coordination
- RMD planning and execution
- Roth conversion analysis
- Cash flow and spending review
Behind the Scenes
- Tax document coordination
- Withdrawal sequencing analysis
- Beneficiary designation review
- Cash reserve assessment
- Portfolio rebalancing evaluation
Outcome
Your retirement income strategy for the year
Column 2
May
June
July
August
June
July
August
Mid-Year
Progress
Progress
Plan Monitoring & Adjustment
Client Meeting — Optional
Mid-Year
Check-In
Check-In
Planning Focus
- Tax projection update
- Portfolio performance review
- Financial plan update
- Estate plan check-in
- Insurance coverage review
Behind the Scenes
- Investment progress review
- Monte Carlo probability update
- Tax loss harvesting opportunities
- Spending pace analysis
- Risk exposure review
Outcome
Updated projections and mid-course adjustments
Column 3
September
October
November
December
October
November
December
Late-Year
Optimization
Optimization
Tax Strategy & Year-End Planning
Client Meeting
Year-End
Strategy Meeting
Strategy Meeting
Planning Focus
- Roth conversion decisions
- Year-end tax planning
- RMD distribution timing
- Charitable giving (QCDs)
- Medicare open enrollment (Oct 15–Dec 7)
Behind the Scenes
- Tax bracket optimization
- Distribution strategy review
- Year-end portfolio rebalancing
- Portfolio tax efficiency review
- Year-ahead planning
Outcome
Tax-saving strategies implemented before year-end
Active
All Year
All Year
Behind
the Scenes
the Scenes
Portfolio monitoring
Rebalancing when needed
Tax strategy monitoring
Beneficiary and account reviews
Coordination with your CPA and attorney