Top income planning financial advisors
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 want to avoid running out of money too soon. A common mistake is not balancing withdrawals with taxes and inflation, which can shrink your income faster than expected.
- Withdrawal strategy clarity. Ask how they plan your income withdrawals to last through different market conditions and life stages.
- Tax impact awareness. Confirm they consider how your income sources affect your tax bill each year.
- Inflation adjustment. Check if they factor in rising costs to keep your spending power steady over time.
- Social Security timing. See if they help decide the best age to start benefits to maximize your lifetime income.
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 working with Santander Securities LLC, she offers a 1.30% AUM fee and serves a diverse client base through discretionary portfolio management, which may provide a broader range of services compared to advisors focused solely on individual retirement planning.
Experience: 26 years
Avg account: $263,306
-
Vandana D
Series 66
Dublin, CA
Fidelity
Vandana Devi specializes in income planning and cash flow budgeting, making her well-suited to help clients develop withdrawal strategies that balance taxes and inflation. Working at Fidelity, a large firm, she brings two years of industry experience and a Series 66 designation, with a focus on serving parents, which may offer a relatable perspective compared to advisors with different client demographics or smaller firm settings.
Experience: 3 years
Avg account: $234,793
-
Kayla W
Series 63, Series 65
Madison, WI
Primerica Advisors
Kayla Wheeler specializes in income planning, offering strategies that consider tax impacts and inflation adjustments to help maintain steady cash flow. Working with Primerica Advisors, a large firm known for discretionary asset management and model-delivery strategies, she serves both individual and high-net-worth clients with a tiered wrap-fee structure, which may differ from advisors with smaller firms or different fee models.
Experience: 2 years
Avg account: $228,117
-
Stavroula K
Series 63, Series 65
Linwood, NJ
Ameriprise
Stavroula Koutsfetsoulis specializes in income planning and retirement income strategy, including 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 planning, she offers a 0.15% AUM fee and focuses on clients approaching retirement with substantial investable assets.
Experience: 26 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 in the US manage steady cash flow during retirement. Her firm, Financial & Tax Architects, LLC, offers discretionary portfolio management using proprietary strategies and serves primarily individual and high-net-worth clients nearing or in retirement, with a flat-fee option and seven years of industry experience.
Experience: 7 years
Avg account: $239,584
Want help finding the right advisor?
Answer a few questions to see advisors matched to you.
Specialized advisors
People also searched
Popular nationally
Find advisors by type
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.
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. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")