Solutions
Income & Withdrawal Planning
Turning what you've saved into a reliable monthly paycheck — and making sure it lasts.
Saving for retirement has a scoreboard: the balance goes up, or it doesn't. Spending in retirement has no scoreboard at all — just a monthly need, a pile of accounts, and the quiet worry that you're drawing too fast.
The gap between your guaranteed income and your essential expenses is the number that matters — and most people have never actually calculated it.
We build the paycheck: pinning down what your life costs, lining up the guaranteed income first — Social Security, pensions, anything contractual — and engineering withdrawals to cover the rest in a tax-aware order. The aim is that the essentials are covered no matter what markets do, and the discretionary spending flexes instead of the groceries.
Finding your income floor
The first number we calculate together.
What your life costs each month
What arrives guaranteed
Whatever your guaranteed income doesn’t cover, your portfolio has to produce — reliably, tax-efficiently, for as long as you live. That’s the whole job.
Sound like your situation?
- You're within a few years of retiring and don't know what your monthly income will actually be
- Your guaranteed income won't cover your essential expenses and you're not sure how to close the gap
- You're retired and drawing from accounts ad hoc, without a deliberate order
- A market drop early in retirement is the scenario that genuinely worries you
The engagement, piece by piece
What we actually build with you.
Income floor analysis
Guaranteed income against essential expenses, in real numbers.
Withdrawal order
Across taxable, tax-deferred, and Roth accounts.
Stress testing
Sequence-of-returns risk against poor early markets.
Timing coordination
Social Security claiming and any pension elections.
Cash reserve strategy
Near-term spending never depends on this month's market.
Annual review
Spending, balances, and sustainability checked against reality.
How this plays out
A couple approaching retirement together, with savings spread across a workplace plan, a rollover IRA, and a joint brokerage account — plus a pension offering either a monthly stream or a lump sum. They assumed they'd claim Social Security right away and draw a fixed percentage from the portfolio. Running the floor analysis first showed that the pension election and the claiming decision moved their sustainable spending far more than the withdrawal rate ever could.
Hypothetical scenario for illustration. Not an actual client. Individual circumstances and results differ.
What's the gap between your guaranteed income and your essential expenses?
Two honest questions
Is the 4% rule good enough?
It's a research finding about the past, not a plan for you. It ignores your taxes, your account mix, your pension, your spending pattern, and how flexible your budget really is. It's a decent sanity check and a poor strategy.
What if there's a gap between my income and my expenses?
That's exactly what the plan is for. Sometimes the answer is adjusting spending or timing; sometimes it's restructuring assets to produce more reliable income. What matters is finding the gap on paper now rather than in year six of retirement.
Kingsbury Financial Advisors
Kingsbury Financial Advisors is a full-service comprehensive financial planning and wealth management firm located in Tampa, Florida. Alongside our strategic partnership with the leading comprehensive financial planning firm Caitlin John Private Wealth management, we have all of the necessary resources to support our clients in conquering their financial goals.
What to expect
- 01 Introduction A short conversation about what prompted you to reach out. No preparation needed and nothing to sign.
- 02 Discovery We gather the full picture — accounts, obligations, timelines, and the goals behind them.
- 03 Your plan We walk you through a written plan together, including the trade-offs behind every recommendation.
- 04 Ongoing partnership Regular reviews, proactive tax and planning work, and a direct line when something changes.
Talk through your situation
True wealth is more than money.
Start with a conversation. No cost, no pressure, no obligation to continue.