Retirement income planning, end to end.
One specialty, done thoroughly — turning what you’ve saved into reliable, tax-efficient income that lasts as long as you do. For forty years the job was growth. Now the job is income, and the rules are different.
Six pieces of one plan
These aren’t separate products — they’re the moving parts of a single income plan, coordinated so a decision in one place doesn’t quietly cost you in another.
Income Gap Analysis
A clear, plain-English projection of the monthly income your current plan will actually produce — and exactly where the shortfalls and the opportunities sit. Before you can protect an income, you have to be able to see it.
We map your guaranteed sources against what your life costs, with essentials separated from extras, so the gap is a number you can actually plan around.
- A month-by-month income picture
- Essentials vs. wants, split out
- The gap, in dollars
Tax-Efficient Withdrawal Sequencing
The order you draw from 401(k)s, IRAs, Roths, and taxable accounts can change your lifetime tax bill dramatically. Same accounts, same spending — a different sequence, a different result.
We sequence withdrawals deliberately and coordinate them with Required Minimum Distributions and Roth conversions, so taxes are managed across decades, not just this April.
- A withdrawal order built around your brackets
- RMD & Roth-conversion coordination
- A plan that adapts as the law changes
Social Security Timing
When each spouse claims is one of the largest single financial decisions of retirement — and one of the easiest to get wrong by defaulting to “as soon as possible.”
We model the claiming strategies against your full plan: survivor benefits, the real cost of claiming early, and how the timing interacts with your withdrawals and taxes.
- Side-by-side claiming scenarios
- Survivor-benefit protection
- Timing coordinated with the whole plan
Volatility & Sequence-of-Returns Protection
This is the heart of what we do: an income floor for the essentials, engineered so a poorly timed downturn changes your statement — not your lifestyle or your retirement date.
Once you start withdrawing, the order of your returns can matter more than the returns themselves. When your essentials are covered by income that doesn’t move with the market, that math largely stops applying to your life — and your growth assets are freed to stay invested through the volatility.
- An income floor under your essentials
- Growth assets freed to stay invested
- Tools matched to you — only if they fit
Some protection strategies involve insurance products such as fixed index annuities. These are insurance contracts, not market investments; any guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurer, and they carry trade-offs including limits on interest credits and restrictions on liquidity. Whether any product fits depends entirely on your situation.
Healthcare & Long-Term Care Planning
The costs most likely to break an otherwise sound plan — and the ones most plans quietly ignore until they arrive.
We stress-test your plan against healthcare and long-term-care costs and build the funding strategy before it’s urgent, while you still have options.
- Medicare & coverage-gap planning
- A funding strategy for long-term care
- Stress-tested against real scenarios
Estate & Legacy
Making sure what you don’t spend transfers efficiently — to people, not paperwork — with taxes minimized along the way.
We coordinate beneficiaries, account titling, and the basic documents with your attorney, so your plan does what you intend and your spouse and heirs aren’t left untangling it.
- Beneficiary & titling review
- Coordination with your estate attorney
- A legacy plan that matches your intent
From “a number” to a plan, in three steps
The same path for everyone, built to respect your time at each step. More about how we work →
Take the 2-minute quiz
Eight questions score your exposure to sequence risk, concentration, and the broken bond hedge. Instant results, plus our research brief.
The 15-Minute Risk Review
Bring your score and one question. You leave with a plain-English read on where your plan is exposed — useful whether or not we ever work together.
Matched with your specialist
If you want to go further, we match you with the advisor in our national network whose experience fits your situation — at your pace.
Ready for a plan, not a market gamble?
Start with the 2-minute quiz, or go straight to a 15-minute conversation. Either way, you’ll know more about your plan than you did this morning.
No cost. No obligation. No pressure — ever.
The 15 Minute Advisor
(561) 968-4424
5100 PGA Blvd.
Suite 305
Palm Beach Gardens, FL 33418
The 15 Minute Advisor is a consumer education and retirement-planning brand operated by Shoreline Financial Group, Inc.
2025 The 15 Minute Advisor all rights reserved.