Top retirement withdrawal strategies 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 a retirement withdrawal strategies advisor when you're ready to start taking money from your retirement accounts and want to avoid running out of funds too soon. A common mistake is withdrawing too much early on, which can jeopardize your financial security later in retirement.
- Withdrawal sequencing. Ask how they plan the order of account withdrawals to balance taxes and longevity of your savings.
- Longevity risk management. Confirm how they factor in your life expectancy and potential healthcare costs to keep your income steady.
- Tax impact awareness. Check if they consider how withdrawals affect your tax bracket and Social Security benefits.
- Market volatility planning. See if they adjust withdrawal amounts based on market ups and downs to protect your portfolio.
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 0.15% AUM fee and focuses on clients approaching retirement, differentiating her through a blend of seasoned expertise and institutional support.
Experience: 26 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 29 years of experience at Merrill, a large firm known for comprehensive wealth management. He focuses on retirement income strategy and general retirement planning, serving mid-career professionals and HENRY clients. His goals-based approach leverages professional asset managers and Merrill's 401(k) platform, differentiating him through access to extensive resources and a collaborative team environment in Darien, CT.
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 strategies, making her well-suited to help manage income during retirement. Operating independently at Foguth Wealth Management in Brighton, MI, she offers a fee structure ranging from 0.50% to 2.00% annually and employs model portfolios with ETFs and ETPs, integrating modern portfolio theory and tax-loss harvesting, which may appeal to clients seeking a data-driven investment approach.
Experience: 5 years
Avg account: $397,797
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Nicholas S
CFP®, Series 65, Series 63
Lehi, UT
Telos Partners LLC
Nicholas Stecklein specializes in retirement withdrawal strategies, offering expertise in managing cash flow and values-based investing, which is crucial for sustainable income during retirement. Based in Lehi, UT, he is a CFP®-certified advisor with six years of experience, providing flat-fee and project-based financial planning through Diversify Wealth Management, which uses a tactically diversified investment approach tailored to individual and high-net-worth clients.
Experience: 6 years
Avg account: $2,145,583
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Robert S
CFA®
Canton, OH
Beese Fulmer Private Wealth Management
Robert Szeles specializes in retirement withdrawal strategies, offering expertise in income planning and general tax planning, which are crucial for managing withdrawals to sustain retirement funds. Operating from Canton, OH, he serves high-net-worth clients with a flat-fee and AUM-based fee structure, leveraging a firm approach that emphasizes fundamental analysis and tailored asset allocation, distinguishing him from advisors with broader or less specialized investment focuses.
Experience: 3 years
Avg account: $2,320,003
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