At New Light Financial, we help Colorado pre-retirees and retirees coordinate major retirement decisions. Our comprehensive suite of services addresses the interconnected challenges that can derail even the best-laid plans.

We help you create a sustainable income strategy that aligns with your lifestyle goals and accounts for inflation, sequence of returns risk, and longevity.

Social Security and pension decisions are irreversible. We analyze claiming strategies, spousal benefits, and pension options to optimize your lifetime benefits.

We align your investment strategy with your withdrawal needs and help you harvest tax losses while maintaining your target allocation.

If you own annuities, we review them for alignment with your overall strategy, costs, and whether more suitable options exist.

We analyze whether Roth conversions make sense for your situation, considering tax brackets, Medicare premiums, and long-term wealth transfer goals.

Required Minimum Distributions can trigger tax consequences. We help you strategize on timing, aggregation, and qualified charitable distributions.

We coordinate with your tax professional to align investment, withdrawal, and income recognition strategies for optimal tax efficiency.

Healthcare costs are a major retirement wildcard. We help you navigate Medicare enrollment, optimize plan selection, and plan for long-term care.

We discuss funding strategies for long-term care including self-insurance, hybrid insurance products, and Medicaid planning.

We coordinate with your estate attorney and tax professional on beneficiary designations, account titling, and wealth transfer strategies.

What is retirement income planning?

Retirement income planning is the process of coordinating Social Security, pensions, investments, annuities, cash reserves, and withdrawals to help support your retirement lifestyle.

Why is tax-efficient retirement planning important?

Taxes can affect retirement income, Roth conversion decisions, RMDs, Social Security taxation, and how much income you keep. Coordinating these decisions may create more flexibility.

Can New Light Financial help with Roth conversions?

New Light Financial can help evaluate Roth conversion strategies as part of a broader retirement plan. We recommend coordinating conversion decisions with your tax professional.

Do you provide Medicare advice?

We help include healthcare and Medicare timing considerations in retirement planning. When appropriate, clients may also work with Medicare specialists for plan-specific insurance guidance.

What is estate planning coordination?

Estate planning coordination means helping align your financial plan, beneficiary designations, accounts, insurance, and legacy goals with the work of your estate attorney and tax professional.