You spent 30 years building your nest egg. Do you know how to spend it?
We help you build a confident, tax-efficient income strategy so you know exactly where your next paycheck is coming from.
See exactly where you stand and what needs fixing — before you ever become a client.
Retirement is a completely different game.
What worked to build your wealth won't work to distribute it. The shift from saving to spending exposes your money to three new threats:
01
A Bad Market at the Wrong Time
Riding out a market crash while working is easy. Selling your investments during a crash to buy groceries is devastating. The first five years of retirement dictate how long your money lasts.
02
The Tax Bill You Deferred
Thirty years of saving into a 401(k) is just an IOU to the IRS. Without a plan, forced withdrawals at age 73 or 75 can quietly push you into higher tax brackets and increase your Medicare premiums.
03
Guessing Where to Pull From
Which account do you draw from, in what order, and in what year? Most people guess. Done poorly, this lack of a system will cost you thousands in unnecessary taxes every single year.
Our Solution: Income Guardrails
Running out of money is never an option. Neither is dying with a mattress full of it because you were too afraid to spend. Traditional financial planning relies on rigid withdrawal rules that force you to guess and hope. Guardrails replace those rules with a dynamic floor and ceiling set before you retire. You get a clear starting "paycheck", a pre-planned raise when the market climbs, and a modest, temporary adjustment if the market drops.
A $3M portfolio, drawing $15,000 a month
Hypothetical
Hypothetical illustration for explanation only. Not a projection and not indicative of any client's results. Guardrail levels, income amounts, and adjustment sizes are set individually.
To start
You get a real number.
We give you a clear dollar amount you can spend right now, in dollars rather than percentages.
If markets drop
We tighten the belt a bit.
Touch the lower guardrail and income steps down temporarily. You know that number before retirement, so there's no panic during a crash.
If markets do well
You spend a little more.
Here's the best part. Surpass the upper guardrail and your income increases.
Figures shown are hypothetical and for illustrative purposes only. They do not represent any actual client, account, or recommendation, and are not a projection of future results. A dynamic income strategy requires a willingness to reduce spending temporarily during market declines. Investing involves risk including possible loss of principal. No strategy assures success or protects against loss. CURRENTS does not provide tax or legal advice.
We dynamically adjust your guardrails annually to account for:
We’ll review your situation and send you a personalized income analysis snapshot. Free to you, no obligation.
Comprehensive Wealth Management
CURRENTS Wealth Strategies is a fee-only, fiduciary wealth management firm specializing in retirement planning. We build proactive tax planning directly into your investment strategy so every part of your financial life works together.
Income
A steady retirement paycheck, drawn from the right accounts in the right order.
Investments
Built around the income they need to produce and how long they have to last.
Taxes
Every decision weighed for what you keep, not just what you earn.
Estate
Wealth that passes to your family, not the IRS.
We're not the right answer for everyone.
This is a fit if
- You're five to ten years from retirement, or recently retired
- You've built $500k+ or more in investable assets
- You want one coordinated strategy (investments, income, taxes, estate)
This isn't a fit if
- You prefer to pick your own stocks or manage your own day-to-day trades.
- You want a one-time plan document and no ongoing relationship
- You'd rather wait and see how the next few years go
Not sure? Book the call anyway. You'll get a straight answer, it costs you nothing, and you'll leave knowing what to fix either way.
What You Walk Away With
Get a custom roadmap that shows exactly how to safely spend your savings in retirement.
A High-Level Retirement Snapshot
See exactly how much you can safely spend each month and when you can confidently retire.
A "Red Flag" Assessment
We'll highlight hidden risks or costly tax mistakes you might be making—before they happen.
A Clear Path Forward
Learn exactly which accounts to draw from, and in what order, to keep more money out of the IRS's hands.
Meet Nate Willardson, CFP®
Founder of CURRENTS Wealth Strategies
After a decade at a global private bank, I founded CURRENTS to provide the highly personalized, tax-efficient planning and investments to pre-retirees that large firms often miss.
We build coordinated strategies for your income, investments, and taxes so you can step into retirement with total confidence.
Fee-only fiduciary • CFP®
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Let’s figure out exactly what your retirement paycheck should look like.