Retirement Income
A written income plan built to last as long as you do
Turn your savings, Social Security, and pensions into a coordinated paycheck that accounts for taxes, inflation, and market risk.
What's included
A written plan built around your goals — clear, coordinated, and in writing.
Withdrawal Sequencing
A tax-aware order for drawing from taxable, tax-deferred, and Roth accounts to help reduce lifetime taxes.
Bucket Strategies
Short-, mid-, and long-term buckets designed to help you stay invested through downturns without selling at a loss.
Inflation-Aware Modeling
Stress-test your plan against rising costs and healthcare inflation over a 25-30 year horizon.
Guaranteed Income Layers
Where appropriate, explore insurance-based tools that can add a layer of contractual income backed by the issuing carrier.
Our process
Simple, transparent, and never rushed.
- 01
Discovery Call
A brief conversation to understand your goals, timeline, and current situation.
- 02
Strategy Session
A no-cost 45-minute review with Joe covering income, taxes, protection, and legacy gaps.
- 03
Written Plan
You receive a clear, written roadmap outlining recommendations, trade-offs, and next steps.
- 04
Implementation & Reviews
We help implement the plan and revisit it as life, markets, and tax law change.
Ready to see how this looks for your household?
Your Strategy Session is at no cost and no obligation. Bring your questions — we'll bring the analysis.
Frequently asked
Answers to what people ask us most.
What you can expect
Straight answers, in writing, without pressure.
- A 45-minute no-cost Strategy Session with Joe Donti
- Clear written recommendations — no heavy product pitch
- Coordination with your CPA and attorney where relevant
- By-appointment scheduling — never a call-center handoff
Plan your next step
Independent retirement income, tax, and legacy planning — in person by appointment or by secure video.
Related services
Explore related planning areas
- Social Security Optimization
Timing and filing strategies for couples and singles.
Learn more about Social Security Optimization - Tax-Efficient Retirement
Roth conversions, withdrawal order, and IRMAA awareness.
Learn more about Tax-Efficient Retirement - Annuities & Guaranteed Income
Contractual income layers, backed by the issuing carrier.
Learn more about Annuities & Guaranteed Income
Serving your area
Local planning, close to home
Our Kierland office serving North Scottsdale households.