Retirement Planning
Plan with confidence
Design a durable retirement—built around your life
At Assets Glocalization Unicorn, we combine independent thinking with disciplined, data-driven research to help you
retire on your terms. We map your lifestyle needs, income sources, risk tolerance, taxes, and estate
priorities into a coordinated plan—then manage your portfolio and cash flows proactively as markets
and life evolve.
Outcome-focused
Risk-aware
Tax-efficient
A plan for every phase
From early accumulation to decumulation—and legacy
We create a roadmap that adapts to you—coordinating saving targets, investment design, retirement
income, tax strategy, healthcare, and estate intentions.
1Build
Maximize savings & employer plans, allocate by horizon, manage risk, and keep costs visible.
2Transition
Refine target date, firm up income needs, evaluate pensions & Social Security timing.
3Retire
Implement withdrawal policy, coordinate accounts, rebalance and manage taxes proactively.
4Legacy
Beneficiary designations, charitable intent, estate coordination with your attorney/CPA.
What we solve
The key retirement questions—answered
We translate the complex into a clear, actionable plan you can live with.
Income & Cash-Flow
Map essential vs. lifestyle spending, build a withdrawal policy, and maintain a resilient cash buffer.
Allocation & Risk
Right-size growth vs. stability, diversify globally, and rebalance with purpose.
Taxes & Sequencing
Coordinate withdrawals across accounts, harvest losses, and manage brackets through time.
Income architecture
Integrate Social Security, pension, and portfolio withdrawals
We evaluate filing strategies, survivor impacts, and COLA assumptions for Social Security; coordinate
any pension elections; and design a withdrawal sequence across taxable, tax-deferred, and Roth accounts
to support spending while managing lifetime taxes.
| Topic | Our Focus |
|---|---|
| Social Security Timing | Breakevens, longevity assumptions, spousal/survivor coordination, portfolio risk interaction. |
| Pension Elections | Single vs. joint & survivor, period-certain options, integration with other income sources. |
| Withdrawal Sequencing | Taxable → tax-deferred → Roth (or dynamic rules), RMD management, bracket smoothing. |
Tax-aware investing
Keep more of what markets give you
We implement tax-efficient portfolios and adapt through time: asset location, opportunistic loss harvesting,
and proactive RMD/Roth strategies—coordinated with your CPA when needed.
Asset location and lot selection- Harvest losses / defer gains thoughtfully
- RMD planning & Roth conversion analysis
Beyond the portfolio
Healthcare, longevity, and sequence risk
We plan for Medicare timing and coverage choices, evaluate long-term care funding paths, and design
portfolios and cash buffers to mitigate sequence-of-returns risk in the early retirement years.
Medicare Timeline
LTC Considerations
Guardrails & Rebalancing
Risk Management
Questions
Retirement FAQs
We translate your lifestyle and future goals into spending assumptions, then back into savings targets,
portfolio return/risk expectations, and a withdrawal policy tailored to your situation.
It depends on longevity, spousal benefits, taxes, and portfolio context. We model breakeven ages and
survivor impacts to align filing with your broader plan.
We coordinate taxable, tax-deferred, and Roth accounts, manage RMDs, harvest losses when useful, and
adjust to tax-bracket opportunities—rebalancing along the way.
Yes. We coordinate 401(k)/403(b)/IRA, brokerage, annuities, and HSAs. For 401(k) sponsors, see our
Business 401(k) Services.
Let’s craft your retirement roadmap
Discover why clients choose Assets Glocalization Unicorn for transparent advice, disciplined portfolio management, and a service model designed around your best interests.