Retirement Planning
here for your Retirement
Prepare for the Next Chapter with Confidence
Retirement should be a season of freedom, not uncertainty. At Montage Wealth Advisors, our fiduciary advisors help pre-retirees and retirees across Orange County and beyond design strategies for a confident future. We go beyond account balances to address income, healthcare, taxes, and lifestyle planning, so you can enter retirement fully prepared. With over 50 years of combined experience and access to advanced planning resources, we build plans that help give you clarity about when you can retire, how much you’ll need, and how to make your money last. Whether you’re five years away or already retired, our approach helps you focus less on finances and more on the life you want to live.
Planning That Goes Beyond the Numbers
Comprehensive Retirement Planning Services
Retirement is more than just saving—it’s about creating sustainable income and confidence for decades to come. We work with you to build a retirement strategy that reflects your goals and adapts as life changes.
Income Planning
Strategies to create reliable income streams from investments, pensions, and Social Security while managing withdrawal risks.
Social Security Optimization
Analysis of timing and claiming strategies to help you maximize lifetime benefits.
Healthcare & Medicare Planning
Evaluating healthcare costs, Medicare coverage, and long-term care considerations to ensure medical expenses don’t derail your plan.
Lifestyle & Legacy Planning
Aligning your retirement income with travel, hobbies, charitable giving, or multi-generational goals so you can live the retirement you envision.
Tax-Efficient Withdrawals
Coordinating accounts, Roth conversions, and tax timing strategies to preserve more of your retirement income.
Retirement, Simplified
Frequently Asked Questions About Retirement Planning
When should I start planning for retirement?
Ideally, retirement planning begins 5–10 years before your target retirement date, but it’s never too late to start. We help both early planners and those already in retirement create sustainable strategies.
How do you help with Social Security decisions?
We analyze different claiming options based on your age, marital status, and overall plan to identify strategies that can maximize your long-term benefits.
Do you account for healthcare expenses in retirement?
Yes. We build in healthcare and Medicare costs, including long-term care considerations, so you have a realistic and prepared plan.
How do taxes affect my retirement income?
Taxes can significantly impact withdrawals. We create strategies for account sequencing, Roth conversions, and timing of withdrawals to reduce tax liability over time.
What if I want to work part-time in retirement?
We incorporate part-time income into your plan and show you how it impacts Social Security, taxes, and long-term income sustainability.
The strategies mentioned may not be suitable for all investors. They involve risks, costs, and legal/tax considerations, and outcomes depend on individual circumstances, market conditions, and applicable laws.