Retirement Planning
Retirement is one of life’s most significant transitions — and your financial plan should reflect the complexity of what comes next. At Stable Wealth, we help you approach retirement with clarity, confidence, and a strategy designed with a goal to support the life you’ve worked to build.
A Thoughtful Approach to Retirement
Retirement planning is about more than projecting a number. It’s about understanding how your income, investments, taxes, health care needs, and legacy goals all connect — and making sure they’re working together, not in isolation.
At Stable Wealth, we take a coordinated approach. Rather than addressing each piece separately, we look at how every decision affects the others — so your plan is designed to be efficient, resilient, and aligned with your priorities.
What We Help You Plan For
Retirement Income Strategy
When and how you draw income matters. We help structure withdrawals across accounts — Social Security, pensions, IRAs, and taxable accounts — in a sequence designed with a goal to support tax efficiency and long-term sustainability.
Tax-Efficient Withdrawals
The order in which you access your money can significantly affect how much you keep. We coordinate withdrawals with your tax situation — including Roth conversions, capital gains timing, and required minimum distributions.
Social Security Optimization
When to claim Social Security is one of the most impactful decisions in retirement. We analyze your specific situation — health, income needs, spousal benefits — to help identify the timing that may work best for you.
Health Care & Long-Term Care
Health care costs are one of the largest expenses in retirement. We help you plan for Medicare, supplemental coverage, and long-term care needs — so unexpected costs don’t derail your plan.
Estate & Legacy Coordination
Your retirement plan and estate plan should work together. We review beneficiary designations, trust structures, and wealth transfer strategies to help ensure your legacy is protected and efficient.
Lifestyle & Spending Planning
Retirement isn’t just about money — it’s about living the life you want. We help you plan for travel, hobbies, family, and the unexpected — so you can enjoy retirement without constantly worrying about your finances.
Why Stable Wealth for Retirement Planning
Alex Williams, CFP® has spent 26 years helping individuals and families navigate the transition into retirement — and the decades that follow. As an independent fiduciary, Alex is legally required to act in your best interest, and his advice is never influenced by product sales or corporate quotas.
At Stable Wealth, retirement planning means looking at the full picture — not just your investments, but how they connect to your tax strategy, income needs, estate plan, and the lifestyle you want to protect.
- Coordinated approach — Investments, taxes, income, and estate strategies working together
- Independent & fiduciary — No product quotas, no conflicts of interest
- Ongoing relationship — Your plan evolves as your life evolves
- Local & accessible — Based in Lacey, WA with a second office in Wellington, FL
Years of Combined Experience
Multi-Generational Families Served
Assets Under Management¹
%
CFP®-Led Financial Planning
Schedule Your Conversation
This is a brief, 15-minute introductory conversation to learn about your situation and determine whether Stable Wealth may be a good fit. No preparation is required, and there is no obligation or sales pressure.