Insights
Useful thinking before the question becomes urgent.
Educational notes on retirement income, investments, tax-aware planning, and the decisions that tend to arrive together.
Latest notes
Clear thinking for real decisions.
General education, not individualized advice. Each article is a framework for a more useful conversation.
The five decisions that shape your first year of retirement
The first year without a paycheck becomes more manageable when five connected choices are made in a deliberate order.
Retirement income · 7 min read
When taking Social Security early actually makes sense
Delaying can be valuable, but the right claiming date belongs to a household plan rather than a universal rule.
Retirement income · 7 min read
Three 401(k)s and no map: consolidating accounts before you retire
A simpler account map can help, but consolidation is useful only when the destination preserves the features the household needs.
Investment management · 7 min readThe Harbor field guide
Seven questions to ask before retirement gets real.
A concise worksheet for organizing the decisions that deserve attention before the final year of work.