720,000 client relationships†
Overseeing $2.9 billion†
We work with investors holding $500K+
Tolleson Wealth Management: a wealth advisor for your retirement paycheck
What you get once your savings start paying you:
A spending playbook with guardrails that tells you when to raise or trim
A yearly order of withdrawals across your IRA, taxable and Roth accounts
Help deciding when to claim Social Security and how it fits your paycheck
An annual meeting that resets your monthly amount after markets move
clients turning their savings
into income with Tolleson†
†Figures as of 10/12/2026: 720,000 clients, $2.9 billion in assets under management.
Frequently asked questions about Tolleson Wealth Management
Yes. Tolleson Wealth Management works with people who have $500K or more in investable assets, and a 401(k) plus an IRA both count toward that total. Your house and any pension don't count toward the $500K, but we still factor them into how big your monthly paycheck can be.
Tolleson Wealth Management explains how it is paid, in writing and in dollars at your balance, before any money moves. That way you can set it next to what your current 401(k) or brokerage account already costs you each year and decide before anything changes.
An advisor reads what you sent and contacts you to set up a screen-share video call or a phone call. Bring recent account statements and your Social Security estimate. That first call covers your monthly spending target and the date your first withdrawal needs to land in checking.
You can do all of it from home. Tolleson Wealth Management meets with most clients by screen-share video or phone, wherever they live in the US. The office is at 100 Liberty Street, Columbus, OH 43215, but you never need to visit to set up or adjust your retirement paycheck.
Yes. A wealth advisor can place your Social Security, IRA withdrawals, cash reserves, and other income on one spending schedule, then show what the portfolio must provide. Tolleson Wealth Management focuses on a monthly paycheck that can adjust within guardrails when account values change, rather than assuming the same withdrawal works every year.
A rollover may simplify withdrawals and investment choices, but it is not automatically the better move. Compare the 401(k)’s investment options, withdrawal features, creditor protections that may apply, fees, and the tax treatment of any company stock before moving money. Tolleson Wealth Management can examine how the choice affects your retirement-income playbook.
Yes, Social Security claiming is part of the retirement-income work offered by Tolleson Wealth Management. The discussion compares the income you need now with the effect of waiting, your spouse’s benefit situation, taxable withdrawals, and how much portfolio spending would bridge the gap. Claiming later is not automatically better if it forces an uncomfortable draw from investments.
Start by identifying every account subject to a required minimum distribution and the deadline that applies to you. Required minimum distributions generally begin at age 73, while people born in 1960 or later generally begin at age 75. Your withdrawal amount can affect taxes, spending cash flow, and a possible Roth conversion, so it deserves a coordinated look.
They can. A Roth conversion adds taxable income for the conversion year, and Medicare income-related premiums generally use earlier tax information to set a later premium. Tolleson Wealth Management can model a conversion amount alongside expected IRA withdrawals and Social Security income, but your tax professional should confirm the tax filing consequences.
A wealth advisor can compare your current withdrawal with the reduced portfolio value and apply the spending floor and ceiling you agreed to beforehand. The discussion should separate needs from flexible expenses, consider available cash, and show the dollar effect of a temporary trim. No approach can prevent investment losses or guarantee a recovery date.
Yes, you can keep the accountant who already knows your tax history. Tolleson Wealth Management can identify questions about IRA distributions, Roth conversions, taxable investment sales, and Medicare income thresholds for you to bring to that accountant. The firm does not replace tax preparation or legal advice.
You need at least $500K in investable assets to work with Tolleson Wealth Management. Investable assets generally mean accounts available to be managed or used in retirement, though the firm can explain what information it needs to assess your situation. Your home value and spending needs still matter when you decide how retirement income will work.
Tolleson Wealth Management services for your retirement paycheck
A monthly paycheck from your savings, with guardrails that say when to raise or trim it.
Claiming ages for you and your spouse compared in lifetime dollars and survivor income.
Yearly conversion amounts sized to fill low brackets before required distributions begin at 73 or 75.
A step-by-step move of your workplace plan into an IRA, without a surprise tax bill.
Retirement income planning
A monthly paycheck from your savings, with guardrails that say when to raise or trim it.
Social Security claiming
Claiming ages for you and your spouse compared in lifetime dollars and survivor income.
Roth conversion strategy
Yearly conversion amounts sized to fill low brackets before required distributions begin at 73 or 75.
401(k) rollover to an IRA
A step-by-step move of your workplace plan into an IRA, without a surprise tax bill.
- Client households
- 720,000
- Assets under management
- $2.9 billion
- Starting from
- $500K
- Specialties
- 6
Numbers current as of 10/12/2026.
What makes Tolleson Wealth Management's paycheck method different?
Most retirement income advice hands you one withdrawal number and wishes you luck. Tolleson Wealth Management sets a starting paycheck plus two guardrails: a portfolio level that earns you a raise and one that calls for a modest trim. Each annual meeting opens with where your balance sits between them. You leave with an updated playbook listing next year's monthly amount, which account pays it, and the balances that would change it.
Who we serve
Tolleson Wealth Management serves 720,000 clients† and manages $2.9 billion† in client assets.
†Figures as of 10/12/2026: 720,000 clients, $2.9 billion in assets under management.
Why new retirees bring their savings to Tolleson Wealth Management
The paychecks stopped, and now you're the one deciding how much to sell every month. Say you have $1.2M across a 401(k), an IRA and a brokerage account, and your spouse is weighing Social Security at 67 versus 70. Tolleson Wealth Management works out a monthly amount you can actually spend, picks the account that pays it, and tells you ahead of time what a bad market year would change.
How the firm is paid is set out in writing before a single account moves, so you can compare it with what you pay today.
A wealth advisor relationship with Tolleson Wealth Management
Tolleson Wealth Management is a wealth advisor firm that helps recent retirees turn lifetime savings into a dependable monthly paycheck by setting spending guardrails.
You may be calling because the paycheck stopped, but the bills did not. Flexible spending gives your withdrawals a floor and a ceiling, so spending can rise after stronger markets or trim after weaker ones instead of staying locked to a single number.
What does working with Tolleson Wealth Management look like?
Tolleson Wealth Management works with people who have built substantial savings and now need those accounts to pay them each month without treating every market move as an emergency. The firm offers retirement income planning, Social Security claiming guidance, Roth conversion strategy, 401(k) rollover to an IRA support, required minimum distribution help, and Medicare IRMAA planning.
A household needs at least $500K in investable assets to work with the firm. Much of the work can happen on a screen-share call or by phone, which lets a retiree keep their regular accountant, attorney, and daily routines where they are.
At Tolleson Wealth Management, the conversation begins with the accounts that will fund spending, the income already coming in, and the dates that matter. You bring paperwork such as account statements and tax information; the firm turns the relevant choices into a playbook you can read and question.
Before an account is transferred, you receive a written explanation of how the firm is paid. That matters when a rollover or investment sale is on the table, because the decision should make sense for your retirement income, not just make the accounts easier to view.
What happens to spending when markets fall?
Tolleson Wealth Management does not treat a market drop as an automatic reason to sell, nor does it promise that investments will avoid losses. The first thing to examine is how much of the next few years of spending must come from investments, how much comes from Social Security or other income, and whether the spending amount still fits the reduced account value.
A fixed $60K annual withdrawal feels simple until a down market turns it into a much larger share of the portfolio. Guardrails put a decision point around that withdrawal: spending might hold steady if cash reserves cover the gap, rise when accounts have recovered, or be trimmed when withdrawals would put too much strain on the portfolio.
Market values can fall below the amount you put in, and a spending guardrail cannot remove that risk. It can, however, give you a reasoned response before fear turns a temporary decline into a permanent sale.
The firm also does not make tax or legal decisions for you. It can lay out how a Roth conversion, IRA withdrawal, or sale could affect taxable income and Medicare premiums, then you decide with the appropriate tax or legal professional.
What can I keep doing myself while using a wealth advisor?
A wealth advisor should take the hard math and timing questions off your kitchen table without taking away your voice in the decision. Tolleson Wealth Management can compare account withdrawals, claiming dates, required distributions, and possible Roth conversions while you continue to choose the trips, gifts, home projects, and monthly spending that matter to you.
You still open your mail, tell the firm when your health or family situation changes, and decide whether a proposed trade or account move feels right. A January tax form can reveal income that changes a conversion decision, so holding onto it and sharing it promptly is useful.
The work is practical. Before recommending an investment sale, Tolleson Wealth Management would look at taxable gains and the tax due, then compare that cost with the benefit of changing the holdings. A fund change that looks tidy on a statement can create a bill you did not expect.
Some people are well served by doing this alone, particularly when their income is simple, withdrawals are small relative to assets, and they enjoy tracking deadlines. Outside help earns its place when a missed decision could affect several years of spending or taxes.
Put retirement questions on the table before choosing an advisor
A useful conversation goes beyond investment returns. Ask how the advisor will handle the years when your spending needs and account values are pulling in opposite directions, and ask for plain answers you can take home.
- “How would you set a spending floor if our portfolio drops?”
- “Which account would pay our first few retirement years, and why?”
- “Could a Roth conversion change our Medicare premium later?”
- “What paperwork do you need before suggesting a 401(k) rollover?”
- “When will we revisit the amount we spend each month?”
Can $900K support spending that changes with markets?
A hypothetical couple with $900K, $36K of annual Social Security, and $72K of annual spending needs would initially draw $36K from investments. That is 4 percent of the portfolio: $36K divided by $900K equals 0.04.
Now assume a market decline reduces the portfolio to $720K before the next annual meeting. Keeping the $36K draw would mean taking 5 percent: $36K divided by $720K equals 0.05. A guardrail might call for a 10 percent reduction in the portfolio draw, taking it to $32.4K annually, so household spending becomes $68.4K rather than $72K.
This is a hypothetical illustration, not a recommended withdrawal amount. Tolleson Wealth Management would ask what part of the $3.6K reduction can wait, whether cash is available, and whether a Roth conversion or large purchase should be postponed. The couple keeps a choice, but it is a choice with numbers attached.
The trade-off is real. A lower withdrawal can preserve more assets after a decline, while it may also mean delaying a vacation, gift, or renovation. Guardrails are useful because the conversation happens before an account sale is needed.
From the first call through each annual meeting
Tolleson Wealth Management follows a sequence that gives retirement decisions an order. First comes the income question, then the account and tax questions, then the ongoing annual meeting where spending is compared with the guardrails in your playbook.
| When | What happens | What you receive |
|---|---|---|
| First conversation | Income and account discussion | List of next paperwork |
| Early work | Withdrawal and tax analysis | Retirement-income playbook |
| Midyear | Spending guardrail check | Updated spending range |
| Annual meeting | Income and account discussion | Next-year decisions |
- First call: you describe the paycheck you need, the accounts you own, and the decision that brought you in.
- Paperwork stage: the firm examines account statements, pension or Social Security details, and tax items that affect retirement income.
- Decision stage: you receive choices for withdrawals, claiming, rollover steps, required distributions, and possible Roth conversions.
- Annual meeting: spending, account values, tax changes, and family events are revisited before the next year’s withdrawals are set.
Wherever you live in the US, Tolleson Wealth Management can work with you remotely; in person at 100 Liberty Street, Columbus, OH 43215, United States. Let's Talk →
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Tolleson Wealth Management services
Retirement income planning
A monthly paycheck from your savings, with guardrails that say when to raise or trim it.
Retirement income planning →Social Security claiming
Claiming ages for you and your spouse compared in lifetime dollars and survivor income.
Social Security claiming →Roth conversion strategy
Yearly conversion amounts sized to fill low brackets before required distributions begin at 73 or 75.
Roth conversion strategy →401(k) rollover to an IRA
A step-by-step move of your workplace plan into an IRA, without a surprise tax bill.
401(k) rollover to an IRA →Required minimum distributions
Required withdrawals folded into your monthly paycheck, with the yearly amount worked out in advance.
Required minimum distributions →Medicare IRMAA planning
Income kept under the next Medicare surcharge tier where possible, checked before every Roth conversion.
Medicare IRMAA planning →
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