Income mapping
We organize every income source — Social Security, pensions, retirement accounts and savings — into one view so you can see what arrives, when.
All services
From saving to spending
Income Planning
Turn the savings you have built into a coordinated income plan designed to support your priorities through retirement.
Overview
Why income planning matters.
For decades, much of the focus is on accumulating wealth. As retirement approaches, the question shifts: how do you turn what you have saved into reliable income — in an order and a way that supports the life you want?
We help you look at every potential source of income together — Social Security, workplace plans, personal savings and investments — and build a coordinated strategy for when and how each piece is put to work.
Retirement is not a finish line. It is a new chapter — and it deserves a plan built for it.
What we can help with
- A clear picture of your retirement income sources and how they fit together
- A thoughtful approach to sequencing withdrawals across account types
- Planning for healthcare costs and other major retirement expenses
- Strategies designed to help income keep pace with inflation
- Ongoing adjustments as markets, tax law and your spending needs change
- Coordination with your tax professional on the broader tax picture
Key areas of focus
Where we put our attention.
Every plan is personal, but these are the areas we focus on most closely when helping clients with income planning.
Withdrawal sequencing
The order in which you draw from taxable, tax-deferred and tax-free accounts can matter. We help build a sequence that fits your plan.
Spending & lifestyle
We start with the retirement you actually want — travel, family, hobbies, home — and plan backward from those priorities.
Risk & longevity
We plan for the possibility of a long retirement, rising costs and market swings, rather than assuming a single average outcome.
A good fit if you are
- Within 10 years of retirement
- Recently retired
- Holding multiple 401(k)s or IRAs
- Deciding on a pension option
- Unsure how much you can spend
Questions we help you answer
Clarity starts with the right questions.
- 01When can I realistically retire — and what changes if I work a few more years?
- 02How much can I spend each year without worrying about running out?
- 03Which accounts should I draw from first?
- 04How do I prepare for healthcare costs before and after Medicare?
- 05What happens to my income plan if markets have a difficult year?
How we work together
A steady, step-by-step approach.
1
Discover
We learn about your goals, timeline, spending and every account you hold.
2
Map
We lay out your income sources and identify gaps, overlaps and timing decisions.
3
Design
We build a coordinated withdrawal and income strategy you can understand.
4
Adjust
We meet regularly and adapt the plan as life, markets and rules change.
While many advisory firms require a minimum investable amount of $500,000, $1 million, or more, that is not our philosophy at CDS Wealth Management. I grew up in a hardworking, blue-collar family and genuinely enjoy working with other hardworking individuals and families who want to make smart, informed decisions with the money they've earned. While we are fortunate to work with many high-net-worth families, wealth alone has never determined who we are willing to work with. We do not have an investment minimum — our only prerequisite is that you are serious about your financial future and committed to making thoughtful, informed decisions with your money.
Your next chapter starts here
Let’s talk about your plan.
Schedule a consultation to discuss how income planning fits into your complete financial picture.