Retirement Planning
Transitioning from Saving to Retiring
What We Do
Shifting from Building Wealth to Living from It
As retirement nears, the focus changes from saving to sustaining. Cremé Wealth helps pre-retirees across Plano, Frisco, Allen, and McKinney navigate that transition with clarity. Our retirement planners near you create strategies that account for income distribution, Social Security timing, and pension coordination.
We help you design a plan that aims to replace your paycheck with consistent income while managing taxes and volatility. Whether you’re considering when to claim benefits or how to structure withdrawals, our approach is designed to help ensure your next chapter begins with confidence.
Retirement Income Strategy
At Cremé Wealth, we believe your retirement income should work as hard as you did to build it. Our process includes withdrawal strategies, tax-efficient income sequencing, and required minimum distribution management.
We also evaluate options such as annuities and insurance to provide stability against market swings. Every detail—from investment allocation to tax bracket management—is designed to help you enjoy a consistent and lasting income stream.
401(k) and IRA Rollovers
Many retiring professionals in Plano reach a point where multiple old 401(k)s or IRAs make their finances more complicated than they should be. Cremé Wealth provides hands-on guidance to consolidate and roll over your accounts without tax penalties.
Our fiduciary advisors handle the details—paperwork, coordination, and investment selection—so you can focus on your future. We make it simple to align your retirement accounts under one cohesive plan.
Retirement planning is about more than numbers—it’s about preserving what matters most. We coordinate with estate attorneys, CPAs, and family members to ensure your financial plan aligns with your legacy wishes.
Through integrated estate and tax planning, we help minimize taxes on retirement income, design charitable giving strategies, and prepare for intergenerational wealth transfer.
Performance & Transparency
Clarity builds confidence. Clients receive regular performance reviews, ongoing updates, and access to account information through independent custodians. We believe transparency and accountability are essential to long-term trust.
Whether you prefer detailed quarterly insights or a high-level overview, we strive to ensure your investments stay on track and your strategy remains focused.
Retirement Planning FAQs
When should I start retirement planning?
Ideally, you should start planning as soon as possible. Many people begin in their 40s—well before their 50s—but we also help those approaching retirement more quickly.
How much do I need to retire comfortably?
It depends on your lifestyle, goals, and expected expenses. Our team runs detailed projections to help you find your target number.
Can I semi-retire or sell my business?
Yes. We can integrate partial income, business sale proceeds, and investment income into your retirement strategy.
Do you charge a separate fee for retirement planning?
No, we typically work with clients on an ongoing basis. However, if you prefer a single-engagement retirement plan, we do offer one-time plans for a fixed fee.
Do you help with Medicare or long-term care planning?
Yes, we coordinate those decisions as part of your broader financial plan or refer to trusted specialists when needed.
Contact Us
Your Future Deserves a Plan You Can Rely On
Whether retirement is a few years away or already underway, it’s never too late to create a plan to help support your goals. Cremé Wealth helps Plano-area families transform their savings into a lasting income strategy built on purpose and confidence.