Retirement & Wealth Planning — Nationwide

Retirement Financial Advisor: Plan an Income, Not Just a Number

Last updated: May 2026 — Information current as of this date

A retirement nest egg is only as good as the income it produces. We build tax-smart retirement plans — how much you can spend, in what order to draw it, and when to claim Social Security — so your money lasts.

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Retirement Planning

The Decisions That Make or Break Retirement

Saving is the easy half. The hard half is turning savings into reliable, tax-efficient income for 25+ years. These are the levers we manage for you.

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Retirement Income Planning

We map a sustainable withdrawal strategy — how much you can safely spend each year without running out, stress-tested against market downturns.

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Withdrawal Sequencing

The order you tap accounts (taxable, tax-deferred, Roth) can add years to your money. We sequence withdrawals to minimize lifetime taxes.

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Social Security Timing

Claiming early vs. waiting can mean six figures over a lifetime. We model your break-even and coordinate it with your spouse’s benefit.

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Roth Conversion Strategy

The years between retirement and RMDs are a tax-planning goldmine. We use them to convert at low rates and shrink future required distributions.

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RMD & Tax Management

We plan around required minimum distributions and Medicare (IRMAA) thresholds so a good year doesn’t trigger surprise taxes and premiums.

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Legacy & Estate Coordination

We align your plan with how you want to pass on wealth — tax-efficiently to heirs and causes you care about.

Our Approach

Why Retirees Choose Michelet Financial

Retirement planning done right is equal parts investment management and tax strategy. We deliver both, with the transparency you deserve at this stage of life.

One Integrated Plan

Investments, taxes, Social Security, and estate decisions in a single coordinated plan — not disconnected advice from three different people.

Tax-Efficient by Design

Every withdrawal and conversion is planned for its tax impact, led by a strategist who prepares returns and manages portfolios.

Fee-Transparent

Flat, disclosed fees and no hidden commissions — so the plan serves you, not a product sale.

Direct Advisor Access

You work with Brandt Michelet personally — Fortune-500 discipline and a real relationship, not a rotating call center.

FAQ

Retirement Financial Advisor — FAQ

When should I start retirement planning with an advisor?

Ideally 5–10 years before retirement, when Roth conversions and savings adjustments have the most impact — but it’s never too late. Even at or in retirement, withdrawal sequencing and Social Security timing can add years to your money.

How much money do I need to retire?

There’s no single number — it depends on your spending, other income, and how long your money must last. We build a personalized plan that tells you what you can safely spend and whether you’re on track.

When should I claim Social Security?

It depends on your health, other income, and marital situation. Waiting increases your benefit roughly 8% per year to age 70. We model your break-even and coordinate spousal benefits to maximize lifetime income.

What does a retirement financial advisor cost?

We’re fee-transparent with flat, disclosed pricing and no hidden commissions. Your first consultation is free, and we quote scope before any engagement.

How do you reduce taxes in retirement?

Through withdrawal sequencing, strategic Roth conversions in low-income years, RMD planning, and managing income around Medicare (IRMAA) thresholds — all coordinated with the firm that also handles your tax return.

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