Have a question? 720-328-2877 or Book a Call
Solutions for
Retirees
Providing a clear, math-driven plan for life after the paycheck stops. For retirees, Heirloom focuses on one core transition: moving from “earner” to “spender” in a way that feels planned, sustainable, and clearly explained—so you are not guessing whether you’re going to be okay.
Heirloom Wealth works with high-net-worth and ultra-high-net-worth families who want a firm that sits on the same side of the table, free from the product incentives and conflicts that drove the founders to leave the wirehouses and build an independent, fiduciary firm.
Successful, educated investors
Solutions for Retirees
This page is for successful, educated investors who are either approaching retirement or already retired and wondering:
“What will my paycheck look like when I stop working?”
“Are we overspending, underspending, or somewhere in between?”
“Is our current advisor truly planning for retirement income and taxes, or just managing a portfolio?”
Key Challenges for Retirees
Key Challenges
1. Flipping from Earning to Spending
The move from depositing a paycheck to drawing from savings is emotionally and financially complex. Many retirees feel real fear when the switch flips—especially in the first few years.
Without a structured income plan, it’s easy to:
Withdraw randomly from whatever account seems easiest
Worry that markets will dictate your monthly paycheck
Either overspend early or underspend for decades out of fear
Key Challenges
2. Retiring Without a Real Plan
Heirloom regularly meets new clients who have substantial assets but no integrated retirement plan:
No detailed projection of inflows and outflows over 30–40 years
No clear spending guardrails or sustainable withdrawal rate
No single document that ties assets, income, taxes, and legacy together
“Not even having a plan” is one of the most common (and costly) mistakes Heirloom sees when retirees come from other firms.
Key Challenges
3. Early-Years Overspending and Liquidity Gaps
Retirees often:
Travel heavily or tackle big projects in the first few years
Draw more than their portfolio can comfortably support
Hold too much of their net worth in illiquid assets (businesses, rentals, products that are hard to unwind)
Without upfront planning, those early choices can materially change your long-term distribution rate and your margin for error.
Key Challenges
4. Social Security and Pension Timing Missteps
Common issues include:
Turning Social Security on too early out of fear it will “go away”
Taking lump-sum pensions because the offer looks attractive, without comparing lifetime income tradeoffs
Missing the long-term impact of buying service credits or retiring on the wrong side of key thresholds in public plans
These are often one-time decisions with lifetime consequences.
Key Challenges
5. Going It Alone (or With Fragmented Advice)
The biggest mistake Heirloom sees: retirees “going it alone” or working with advisors who are not integrating planning, investments, and tax strategy into a coherent retirement income plan.
That can leave you:
Unsure which accounts to tap first
Exposed to preventable tax spikes
Without a clear sense of what you can safely spend and give
Heirloom’s Approach for Retirees and Pre-Retirees
Heirloom’s retirement solutions are built around one idea: when your paycheck stops, you should know exactly where the next one is coming from, how long it’s expected to last, and why the plan is designed the way it is.
The practical benefits clients typically experience include:
1. Start with a Live, Math-Driven Retirement Plan
Before any investment or withdrawal decisions, Heirloom builds a detailed financial plan that models:
Every expected inflow: portfolio withdrawals, Social Security, pensions, rental income, business proceeds, and more
Every expected outflow: lifestyle spending, travel, healthcare, debt, gifts to family, charitable giving, and legacy goals
The probability that your plan succeeds over your lifetime under a range of assumptions
Clients are taught to know where their plan is headed and why it is headed there, including probability-of-success metrics, not just account balances.
This plan becomes the core tool in ongoing meetings, updated as life evolves.
2. Turn Savings into a Structured “Retirement Paycheck”
Heirloom then focuses on building a paycheck-like structure that keeps you in the psychological comfort zone of “I know what’s coming in each month” without that income being wildly dependent on day-to-day market moves.
Key components may include:
Dividend and interest income from carefully selected companies and funds designed to provide relatively stable, tax-efficient cash flow that can grow over time, especially when dividends are increased faster than inflation.
A “safe account” or bucket—segmented, conservative assets earmarked to fund several years of withdrawals, so near-term spending is less exposed to market volatility. Visually, clients can see that short-term cash flow is protected even if markets are down.
This structure helps reduce the need to sell growth assets at inopportune times.
3. Coordinate Social Security, Pension, and Tax Strategy
Heirloom integrates retirement income planning with multi-year tax and benefit decisions:
Evaluating the tradeoffs of delaying Social Security, often revealing how beneficial waiting can be, depending on health, longevity assumptions, and other resources.
Analyzing pension options—lump sum versus monthly income—through the lens of your risk profile, longevity, and overall plan, rather than treating the offer in isolation.
Planning ahead for high-income years around retirement (final salary spikes, severance, bonuses) and for required minimum distributions later, coordinating with tax strategies and charitable planning where appropriate.
Heirloom does not prepare tax returns or provide legal advice, but works closely with your CPA and attorney so that retirement decisions are informed by current tax law and your specific situation. Tax outcomes depend on individual circumstances and may change as laws evolve.
4. Manage Risk with In-House, Audited Investment Strategies
Heirloom insources investment management and maintains independently audited performance composites across risk profiles, comparing results to blended benchmarks and peer funds.
For retirees, this means portfolios are designed to:
Capture meaningful upside across market cycles
Target reduced downside risk so you can stay invested through volatility
Be fully transparent—net of all advisory and investment expenses, including financial planning—so you can see how your strategy has behaved over time relative to alternatives
Past performance does not guarantee future results. No strategy can eliminate the risk of loss, especially over shorter periods.
5. Avoid the “Early Retirement Mistakes”
Heirloom proactively helps retirees steer around pitfalls that often show up in the first decade:
Overspending early on travel or projects without realizing the impact on long-term distribution rates
Illiquidity—too much wealth tied up in rentals, businesses, or complex products without a clear exit or income plan
“Set it and forget it” decisions on Social Security and pensions made without math-backed comparisons
The goal is to help you enjoy retirement fully without unknowingly compromising your future self.
6. Educate You (and Your Family) Throughout the Process
Education is a core part of Heirloom’s offering, not a side benefit:
Many meetings include two advisors—one leading the explanation, the other watching for comprehension, pausing when eyes glaze over, and adjusting the depth of conversation.
Clients are encouraged to ask questions until they understand what they own, why they own it, and what the plan is trying to accomplish. Over time, their understanding compounds from meeting to meeting.
For many retirees, the biggest outcome of this approach is peace of mind: they know where the paycheck is coming from, what their probability of success looks like, and how their decisions affect the long term.
Relevant Services for Retirees
Heirloom’s retiree solutions draw on multiple core services that work together as a single, integrated offering.
The practical benefits clients typically experience include:
Retirement Income Planning
Designing a sustainable retirement paycheck from investments, Social Security, and pensions
Structuring “safe” and growth buckets to manage sequence-of-returns risk
Planning for temporary higher withdrawal rates in “gap years” (such as retiring before benefits begin)
Comprehensive Financial Planning
Full Live Well Plan™ modeling of inflows, outflows, and probabilities of success
Scenario analysis around retirement dates, spending levels, and major goals
Ongoing updates as life, markets, and tax rules change
Tax Planning
Multi-year planning around high-income years, RMDs, and benefit timing
Coordination with your CPA to explore tax-aware strategies that fit your circumstances
Estate & Legacy Planning
Aligning beneficiary designations, titling, and estate documents with your retirement income and legacy goals
Coordinating with estate attorneys while Heirloom monitors red flags and helps manage beneficiaries and titling over time
Charitable Planning
Integrating tools like qualified charitable distributions (QCDs) or donor-advised funds with RMDs and retirement income, for clients who are charitably inclined
Client Education
Multi-advisor meeting structure designed to ensure understanding
Regular reviews that revisit your plan, portfolio, and retirement paycheck structure in plain English
Schedule A Strategy Session with Our Team
This initial conversation is designed to understand your goals, current situation, and priorities. You’ll have the opportunity to ask questions, explore how Heirloom’s integrated approach works, and determine whether a longer-term relationship makes sense—without pressure or obligation.
Our Services
A coordinated approach to managing investments, planning, and cash flow, designed to bring clarity and confidence to your financial life today and over time.
Tax strategies integrated with your broader wealth plan, helping inform decisions, improve efficiency, and support long-term outcomes through coordinated planning.
Contact
6400 S Fiddlers Green Circle
Suite 1970
Greenwood Village, CO 80111
3200 Cherry Creek S Dr.
Suite 130
Denver, CO 80209
© 2026 Heirloom Wealth. All Rights Reserved.
The information provided on this website is for general informational purposes only and is believed to be from reliable sources; however, its accuracy or completeness is not guaranteed. This material is not intended to provide tax, legal, or investment advice. Individuals should consult with qualified tax or legal professionals regarding their specific circumstances. Nothing contained herein should be construed as a solicitation or offer to buy or sell any security.
Heirloom Wealth Management LLC takes data privacy seriously. In accordance with applicable privacy laws, you may request information regarding the collection and use of personal data or exercise applicable privacy rights.
Investment advisory services are offered through Heirloom Wealth Management LLC, a Registered Investment Adviser.