Top advisors focused on income planning in the US
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
You need an income planning advisor when you're figuring out how to turn your savings into steady cash flow for daily expenses, especially if you're retiring or changing jobs. The biggest mistake is running out of money too soon because your withdrawal plan doesn't match your spending needs or tax situation.
- Withdrawal strategy clarity. Ask how they balance income sources to keep your money lasting while covering your lifestyle.
- Tax impact awareness. Confirm they consider how withdrawals affect your taxes and benefits like Social Security.
- Longevity planning. See if they plan for your income to last through unexpected expenses or a longer-than-expected lifespan.
- Flexible adjustments. Check how they adapt your income plan as your needs or market conditions change.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
-
Sarah C
CFP®, Series 63, Series 65
Boston, MA
Santander Securities LLC
Sarah Currier Barrella specializes in income planning with 26 years of experience and CFP® certification, making her well-equipped to help manage steady cash flow and withdrawal strategies. Based in Boston and affiliated with Santander Securities LLC, she offers a 1.30% AUM fee structure and serves a diverse client base, including individuals and institutions, providing discretionary portfolio management and ongoing suitability reviews.
Experience: 26 years
Avg account: $263,306
-
Vandana D
Series 66
Dublin, CA
Fidelity
Vandana Devi specializes in income planning and general retirement strategies, making her well-suited to help clients create sustainable withdrawal plans that align with their spending and tax situations. Based in Dublin, CA, she brings experience from a large firm, Fidelity, and focuses on parents, offering a client-centered approach supported by her Series 66 designation and background in financial service roles.
Experience: 2 years
Avg account: $234,793
-
Kayla W
Series 63, Series 65
Madison, WI
Primerica Advisors
Kayla Wheeler specializes in income planning, helping clients develop withdrawal strategies that balance income sources to sustain cash flow and address tax impacts, crucial for retirement or job transitions. Operating within Primerica Advisors, a large firm offering discretionary asset management and model-delivery strategies, she serves individual and high-net-worth clients with a tiered wrap-fee structure, differentiating her approach through access to third-party asset managers and BNY Mellon Advisors' trading expertise.
Experience: 1 year
Avg account: $228,117
-
Stavroula K
Series 63, Series 65
Linwood, NJ
Ameriprise
Stavroula Koutsfetsoulis specializes in income planning with a focus on retirement income strategy, Social Security optimization, and withdrawal strategies, making her well-suited for managing steady cash flow during retirement. With 25 years of experience at Ameriprise, a large firm known for research-driven, tax-efficient retirement income planning, she offers a low 0.15% AUM fee and serves clients approaching retirement, providing tailored strategies supported by a centralized consulting team.
Experience: 25 years
Avg account: $471,167
-
Cassandra S
Series 63, Series 65
Plano, TX
Financial & Tax Architects, LLC
Cassandra Sanchez specializes in income planning with a focus on retirement income strategy and Social Security optimization, making her well-suited to help clients create sustainable withdrawal plans. Based in Plano, TX, she offers flat-fee services through Financial & Tax Architects, LLC, which employs proprietary strategies using ETFs and individual securities, catering primarily to individuals nearing or in retirement.
Experience: 7 years
Avg account: $239,584
Want help finding the right advisor?
Answer a few questions to see advisors matched to you.
Not sure where to start?
We'll help you think it through — whether you ultimately need an advisor or not.
Warmer helps you compare advisors clearly — so you can choose with confidence.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")