Retirement Planning

Moving from the "Accumulation Phase" of your life to the "Distribution Phase" is a major milestone.

It’s no longer just about building wealth—it’s about protecting, growing, and strategically using the capital you’ve worked a lifetime to create.

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At In The Money Retirement Planning, we work with business owners & Pre-Retirees who are transitioning from the demands of business ownership or Late-Career demands into a retirement funded by years of sacrifice. We help you create a comprehensive plan that transforms the proceeds from your sale into a reliable, tax-efficient income stream—so you can step into your next chapter with clarity and confidence.

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Retirement Planning in the "Distribution Phase" Is Different

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When your income no longer comes from your business, the stakes are higher. Your wealth needs to support you for decades, fund your goals, and protect your lifestyle through market changes, taxes, and unexpected expenses.

Our retirement planning process focuses on:

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• Defining Your New Vision – Clarifying your lifestyle goals, family priorities, philanthropic intentions, and legacy wishes.

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• Projecting Your Resources – Building realistic income and expense forecasts using your sale proceeds, investments, and other sources like Social Security.

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• Creating a Sustainable Investment Strategy – Balancing income generation, growth, and capital preservation for your new stage of life.

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• Managing Post-Sale Taxes – Minimizing taxes on both your sale proceeds and ongoing retirement income.

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• Structuring Withdrawals – Sequencing distributions from taxable, tax-deferred, and tax-free accounts to maximize after-tax income.

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• Planning for Healthcare & Long-Term Care – Addressing the financial impact of rising medical costs before they threaten your wealth.

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Why Business Owners & Pre-Retirees Choose Us

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• Fiduciary Commitment – We are legally obligated to act in your best interest—no commissions, no hidden agendas.

• Specialized Experience – Decades of experience helping business owners manage large liquidity events and transition into retirement.

• Personalized Strategies – Every plan is built around your unique goals, risk profile, and lifestyle—not a generic template.

• Local Insight, Regional Reach – Based in South Eastern CT, we understand the local economic and tax landscape while serving clients across the region.

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Key Considerations in Post-Sale Retirement Planning

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1. Determining Your Retirement Income Needs
We calculate what it will take to fund both your essential expenses and your ideal lifestyle, factoring in inflation and unexpected costs.

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2. Social Security & Pension Optimization
Even if investments are your main income source, we ensure you claim Social Security at the optimal time and coordinate any pension benefits.

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3. Investment Strategy for Retirement
We design a portfolio that prioritizes consistent income, capital preservation, and growth to support your retirement for decades.

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4. Tax-Efficient Withdrawal Planning
We develop a withdrawal strategy to minimize taxes and stretch your wealth further, using smart sequencing across account types.

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5. Healthcare & Long-Term Care Planning
We plan ahead for medical expenses, Medicare decisions, and potential long-term care costs to protect your assets.

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6. Integrating Retirement & Estate Goals
We ensure your retirement plan aligns with your estate strategy, coordinating with your attorney to protect and transfer wealth efficiently.

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Our 3-Step Retirement Planning Process

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Step 1: Discovery & Vision Setting
We start with a complimentary call to discuss your post-sale goals, lifestyle vision, and concerns about retirement.

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Step 2: Analysis & Strategy Development
We gather detailed financial information, run income and risk projections, stress-test scenarios, and create a personalized plan covering investments, taxes, and income strategy.

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Step 3: Implementation & Ongoing Guidance
We put your plan into action, coordinate with your tax and legal advisors, and provide ongoing monitoring and adjustments to keep you on track as life changes.

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Step Into Retirement With Confidence

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Selling your business or Pulling-the-Plug on your Career was a major milestone. Now, the right retirement plan will ensure the wealth you’ve built supports your freedom, security, and legacy for decades to come.

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📞 Schedule your confidential consultation today to see how our post-sale retirement planning can help you turn your life’s work into lasting financial independence.

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