Tolleson Wealth Management helps pre-retirees, tech professionals, corporate executives and others turn savings into flexible retirement spending.
A fixed withdrawal number can be hard to live with after markets fall. We look for a base monthly amount that covers necessities, then identify spending that can rise or be trimmed as account values change.
At Tolleson Wealth Management, pre-retirees test the first paycheck
Pre-retirees often have a final pay date in sight but no clear picture of which accounts will fund the first few years. Tolleson Wealth Management looks at expected Social Security, pensions if applicable, taxable savings, 401(k) balances and IRAs together before suggesting a withdrawal schedule.
Consider a hypothetical couple with $900K invested who expects to spend $48K annually from savings. That is $4K monthly. If a 15 percent market drop takes the portfolio to $765K before withdrawals, they might keep a $42K essential-spending amount and pause $6K of optional travel or gifting for the year. The account value can fall below what you put in, especially during a downturn.
Retirement income planning can put those guardrails on paper. Social Security claiming, Roth conversion strategy and a 401(k) rollover to an IRA may also matter, but only after the cash-flow question is clear.
Can a tech professional reduce a single-stock risk?
A tech professional nearing retirement may hold company shares alongside options, restricted stock or a large 401(k). Tolleson Wealth Management first asks how much of the household’s spending would be exposed if one employer’s stock had a bad year, then compares selling, holding and diversifying in stages.
A quick test is to divide the value of one stock by total investable assets. In a hypothetical $1M portfolio with $250K in employer stock, the answer is 25 percent. That concentration deserves a careful sale schedule, including the tax effect, account cash needs and any company trading restrictions.
Corporate executives face several retirement dates
Corporate executives often stop working before every account, benefit and tax decision is due. A departure date, a stock-compensation date, Social Security start date and Medicare enrollment can land in different months. Tolleson Wealth Management maps the dates so a large income event does not accidentally disrupt a Roth conversion or raise Medicare costs.
The work may include these conversations:
- Whether a 401(k) rollover to an IRA fits
- How a Roth conversion changes taxable income
- When Medicare IRMAA planning deserves attention
- How required minimum distributions affect later withdrawals
Other savers can use the same spending guardrails
You do not need to fit one job title to bring a retirement question to Tolleson Wealth Management. Someone leaving a small business, changing careers late, or inheriting an IRA may face the same concern: how to pay bills without locking into a spending level that ignores market conditions.
The firm’s $500K investable-asset minimum applies. Tolleson Wealth Management serves people around the country, generally through screen-sharing calls or by phone, and explains how it is paid in writing before an account is transferred.
Pre-Retirees
For pre-retirees, Tolleson Wealth Management maps a retirement date, monthly spending, Social Security, Medicare gaps and Roth conversions.
Learn more →Tech Professionals
For tech professionals, Tolleson Wealth Management maps RSU, option and ESPP taxes, stock concentration and spending after a liquidity event.
Learn more →Corporate Executives
Busy corporate executives can use Tolleson Wealth Management to organize stock windows, deferred compensation elections, bonuses and separation paperwork.
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