Top advisors focused on retirement withdrawal strategies 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 a retirement withdrawal strategies advisor when you're planning how to take money from your retirement accounts without running out too soon. A common mistake is withdrawing too much early on, which can jeopardize your financial security later.
- Withdrawal sequencing. Ask how they decide the order of accounts to draw from, balancing taxes and penalties.
- Longevity planning. Confirm they model your spending needs over a long retirement, not just the next few years.
- Tax impact awareness. Check if they consider how withdrawals affect your tax bracket and benefits like Social Security.
- Market risk management. See if they adjust withdrawal plans based on market ups and downs to protect your nest egg.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Stavroula K
Series 63, Series 65
Linwood, NJ
Ameriprise
Stavroula Koutsfetsoulis specializes in retirement withdrawal strategies and income planning, making her well-suited to help clients manage withdrawals to sustain their retirement funds. With 25 years of experience at Ameriprise, a large firm known for research-driven, tax-efficient retirement income planning, she offers a structured approach supported by a centralized consulting team and charges a 0.15% AUM fee, distinguishing her from advisors at smaller firms or with less institutional support.
Experience: 25 years
Avg account: $471,167
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Ronald D
Series 63, Series 66
Darien, CT
Merrill
Ronald Dragotta specializes in retirement withdrawal strategies with nearly three decades of experience at Merrill Lynch, focusing on personalized wealth management and retirement income planning. His large-firm resources and expertise in corporate benefits and divorce financial planning distinguish him from others, while his goals-based approach and service to mid-career professionals and high earners provide tailored strategies for managing retirement withdrawals effectively.
Experience: 29 years
Avg account: $860,085
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Charleen M
Series 66
Brighton, MI
Foguth Wealth Management, LLC.
Charleen Maune specializes in retirement withdrawal strategies, including Social Security optimization and Roth conversion strategy, making her well-suited to help manage retirement income and withdrawal sequencing. Operating from Brighton, MI, she offers services through Foguth Wealth Management, which uses model portfolios with ETFs and ETPs and applies modern portfolio theory, providing a blend of technical and fundamental analysis with a fee structure ranging from 0.50% to 2.00% annually.
Experience: 4 years
Avg account: $365,271
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Sarah B
Series 66
Monroe, GA
Edward Jones
Sarah Brown specializes in retirement withdrawal strategies, making her well-suited to help plan sustainable income streams during retirement. Working at Edward Jones, a large firm managing over $1 trillion in assets, she offers access to diverse advisory programs and wealth management services, which may provide broader resources compared to smaller firms. Her Series 66 designation and background in education add a unique perspective to her financial planning approach.
Experience: 1 year
Avg account: $246,728
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Nicholas S
CFP®, Series 63, Series 65
Lehi, UT
Telos Partners LLC
Nicholas Stecklein specializes in retirement withdrawal strategies, offering expertise in cash flow management and values-based investing, which supports careful planning of retirement income streams. Based in Lehi, UT, he provides flat-fee and project-based financial planning through Diversify Wealth Management, which uses a tactically diversified investment approach, distinguishing him from others by combining tax preparation services and a broad client focus including high-net-worth individuals and business owners.
Experience: 6 years
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