World 01 · Replace
Replace the paycheck.
For 30 or 40 years, money showed up every couple of weeks. Retirement changes that overnight.
The first job of the plan is figuring out where your next paycheck comes from.
What it covers
How Replace is built.
The job
Know what shows up each month
You know how much is coming in, where it's coming from, and when it hits your account.
The sources
Build your retirement paycheck
Social Security, pensions, investments, and other income all have a role. We figure out how they work together and when to use each one.
The test
What happens in a bad market?
Retirement doesn't always start in a good market. We want to know what happens to your income when it doesn't.
Inside this World
The planning that lives in Replace.
This is where we figure out how all the different pieces of your retirement income work together.
Social Security
When should you take it? When should your spouse? Claiming earlier gives you income sooner. Waiting can mean a larger check. We look at the rest of your plan before deciding.
Your pension
If you have a pension, you may have decisions you'll only get to make once. Monthly income or a lump sum. Survivor benefits or a larger payment today. We work through those decisions before you have to make them.
Annuity income
Sometimes guaranteed income makes sense. Sometimes it doesn't. We look at what income you already have, what still needs to be covered, and whether an annuity actually improves the plan.
Your income floor
Start with what it costs to live your life. Then figure out how much of that is already covered by Social Security, pensions, or other reliable income. That tells us what your investments still need to provide.
Where the money comes from
A dollar from your IRA isn't the same as a dollar from your Roth or brokerage account. We decide where your spending money should come from each year with taxes and the years ahead in mind.
Required distributions
Eventually, the IRS starts telling you how much has to come out of certain retirement accounts. We plan for that years before it happens, when you still have more options.
The thinking
How we think about it.
The paycheck changes everything
For most of your life, the paycheck told you what you could spend. When it stops, that certainty goes with it. Replacing it gives the rest of the plan something to build around.
What strong looks like
You know what's coming in each month, where it's coming from, and what part of your life it covers. You don't have to decide from scratch every time you need money.
Try it on your numbers
The tools for this World.
Income Floor Calculator
Will your checks cover your bills? Your bills every month, and the checks that come no matter what. Slide through the years and see.
Open the tool →Social Security Claiming Explorer
When should you start Social Security? Start early and each check is smaller. Wait and each check is bigger, for life. Slide the age and see.
Open the tool →Floor Coverage Planner
What could close the gap? Six ways people close a gap between their checks and their bills. Slide each one and watch the gap fill.
Open the tool →Talk through your retirement paycheck.
Give us an hour. We'll look at what income you'll have, where the rest needs to come from, and how all the pieces could work together.
For those within five years of retirement or already there, with $1 million or more set aside. No cost. No obligation.