Full retirement income plan
Withdrawal order, cash reserve, tax projection and a year by year income schedule.
Retirement only since 2015
The hard part is not saving, it is spending it
We work only with people within ten years of retiring. Income order, Social Security timing, Medicare and taxes, planned together instead of one at a time.
640retirements planned
11 yrsfocused on retirement
100%flat fee, no products
Our planning work
Every decision that lands in your first retirement year
These choices interact, which is why we refuse to do them one at a time.
Social Security claiming analysis
We model claiming ages for both spouses against longevity and survivor benefits.
Medicare and health cost planning
Part B, supplement versus advantage and the income surcharge trap in your first year.
Roth conversion mapping
A multi year conversion schedule sized to fill brackets without triggering surcharges.
Annual plan review
We update the projection each fall and adjust withdrawals before the tax year closes.
Why retirement only
One decade of life, done properly
Grove Street opened in 2015 because the years right before and after retirement carry more irreversible decisions than any other stretch of a financial life. Claiming Social Security early, choosing the wrong Medicare path or draining the wrong account first are mistakes you cannot undo. We charge flat fees, sell no products and hand you a written plan you own.
•We only take clients within ten years of retiring
•Flat fees, never a percentage of your savings
•You leave the first meeting with your projection in hand
Reviews
From people who have retired
“I was going to claim Social Security at 62 out of habit. Their analysis showed waiting until 68 was worth about ninety thousand dollars to my wife if I go first.”
Ron G., Retired 2023
“The Medicare surcharge would have hit me in year one because of a big Roth conversion. They caught it and staged it over three years instead.”
Beth A., Loveland
“Flat fee, no sales pitch, no annuity brochure. I had been to two other places before this.”
Michael C., Planning client
FAQ
What people ask us first
How much do I actually need to retire?
It depends far more on your spending than on a round number. We build the projection from your actual last twelve months of spending, adjust for what changes in retirement, then test it against poor market years early on. Most people are surprised in one direction or the other.
When should I claim Social Security?
There is no single right age, but for married couples the higher earner delaying usually buys the most valuable protection because that benefit becomes the survivor benefit. We run both spouses against several longevity scenarios rather than assuming an average.
Which accounts should I spend first?
Rarely the simple answer of taxable, then tax deferred, then Roth. Most of our clients do better spending taxable funds while doing partial Roth conversions in the low income years between retiring and required distributions. The order gets written into your plan and revisited yearly.
Do you sell annuities or insurance?
No. We hold no insurance licenses and receive no commissions of any kind. If an income annuity genuinely fits a piece of your plan, we will say so and send you to shop it on your own.
Contact
Let us look at your numbers
Bring your statements and last year's tax return. In one session you will see a real projection instead of a rule of thumb.
Phone(502) 555-0102
Address215 Mountain Ave, Suite 5, Fort Collins, Colorado
HoursMon to Thu 9am to 5pm, Fri 9am to 1pm
AreaFort Collins, Loveland, Greeley, Windsor