Retirement Planning Advisors
Big Life Decisions Packed Into a Small Time Frame
McCabe & Associates builds a sustainable income strategy for the retirement you have worked toward, with taxes, investments, and timing all working together.
Meet With An Advisor
The Real Risk
Where Retirement Plans Come Up Short
Reaching retirement with substantial assets is the hard part. Turning those assets into income that lasts, without overpaying in tax, is where most plans need real work.
No Income Strategy
A large portfolio is not a paycheck. Without a plan for which accounts to draw from and when, even a strong nest egg can be spent inefficiently.
Taxes in Retirement
Required distributions, Social Security, and withdrawal order all carry tax consequences. Ignore the sequence and you hand back more than you needed to.
Guessing on Timing
When to retire, when to claim Social Security, and when to draw down are decisions that compound. Guessing on any of them can cost you for decades.
What We Do
Retirement Planning Services
A plan that turns what you have saved into income that lasts, coordinated across every account and professional (tax, insurance, etc.):
-
Retirement Income Strategy
We run in-depth analyses for Social Security and pension filing strategies, factor in your future Required Minimum Distributions, and discuss whether annuities are necessary to structure a steady income stream that is designed to last your retirement.
-
Tax-Efficient Withdrawals
We sequence your withdrawals to keep taxes low across retirement, not just in any single year. Our firm brings together things like your Roth IRA, Social Security income, and IRA distributions to determine which distribution strategy will be optimal.
-
Social Security Timing
We help you decide when to claim, weighing your income needs, your health, and your full picture, so the choice fits your plan. Awareness of nuances like spousal benefits, survivor benefits, and the Widow's Limit Provision ensures we review all variables for your family.
-
Required Distribution Planning
We plan for required minimum distributions ahead of time, so they work with your strategy instead of disrupting it. Proactive planning around Roth Conversions, Qualified Charitable Distributions, and possibly accelerating income is critical to lowering your lifetime tax bill.
-
"When Can I Retire" Modeling
We model your timeline with real numbers, so the decision to retire is based on clarity rather than hope. Using technology to pull together variables like taxes, inflation, and your spending is the key to running strong retirement projections.
- Explore All Wealth Bridge Services
Let's Discuss Your Retirement Needs
Using our virtual family office, you can meet with our advisors from the comfort of your own home while receiving the same level of service you deserve.
Meet With an Advisor
The McCabe Difference
What Makes Our Firm Stand Out
-
We combine both more reliable (Social Security, pension, annuity) income and less reliable (investments) income to meet your growth goals while maintaining the income stream you need.
-
We run tax projections using tech to increase tax-efficiency with your retirement income.
-
We coordinate directly with your accountant and attorney to help minimize taxes in retirement while maximizing what you leave to the next generation.
-
Our virtual family office was built for retirees that need to be serviced as they travel all over the country in retirement.
-
Our 45-year history has allowed us to guide retirees through nerve-wracking periods like the tech bubble of 2000, the Financial Crisis of 2008, and the COVID Pandemic of 2020.
-
Our clients trust us to handle $1.15B in assets (as of 6/30/2026)
Learn More
Retirement Planning Resources
Articles to help you think through income, timing, and taxes in retirement.
Featured Resource
The Interactive Wealth Bridge
See how retirement income fits into a coordinated, lifetime financial plan.
Explore the Wealth Bridge
Retirement Planning Articles
Generating Income in Retirement
How to turn a portfolio into reliable income that lasts.
Read articleDeciding When to Retire
The questions worth answering before you set a retirement date.
Read articleSocial Security: Exploring Your Options
How to think through when and how to claim Social Security.
Read articleAudience Playbooks
The 5M Family Wealth Playbook
A planning roadmap for families managing wealth in the multimillion-dollar range.
View playbookThe Business Owner's Exit Playbook
Succession, liquidity, and transfer planning for families whose wealth is tied to a business.
View playbookThe Great Wealth Transfer
What the coming transfer of wealth between generations means for your family.
View playbookQuestions
Frequently Asked Questions
How do I know when I can actually retire?
We model it with your real numbers, your income needs, your accounts, your timeline, so the answer is based on clarity rather than a rule of thumb. The goal is confidence, not a guess.
How do you decide which accounts I draw from first?
We sequence withdrawals to keep your lifetime tax bill low, balancing taxable, tax-deferred, and Roth accounts so you keep more across all of retirement, not just one year.
When should I claim Social Security?
It depends on your income needs, your health, and your full financial picture. We weigh the tradeoffs with you rather than applying a single rule, so the timing fits your plan.
What about required minimum distributions?
We plan for them ahead of time so they work with your strategy instead of surprising you, including how they interact with your taxes and your other income.
Can you work with me if my family lives across the country?
Yes. Through our virtual family office, we plan and meet with you wherever you are, with the same level of service as meeting in person.
Is retirement planning the only service you provide?
No. Retirement planning is one part of a coordinated plan. We also handle tax planning, investment management, estate planning, and more, so the pieces work together instead of in isolation.
Direct Services
Investment Risk Management
Identify and mitigate portfolio risk through every market cycle.
Learn MoreInvestment Research
In-depth analysis of opportunities aligned with your long-term goals.
Learn MorePortfolio Monitoring
Continuous oversight with proactive rebalancing strategies.
Learn MoreEducation Planning
Tax-efficient strategies to fund education without disrupting your plan.
Learn MoreCharitable Planning
Maximize philanthropic impact while optimizing tax advantages.
Learn MoreGenerational Planning
Preserve and transfer wealth across generations with purpose.
Learn MoreOrganizing Your Plan
Bring clarity and structure to your complete financial picture.
Learn MoreLiaison Services
Tax Planning
Coordinate tax-smart strategies across your full plan year-round.
Learn MoreCybersecurity
Protect your financial accounts from evolving digital threats.
Learn MoreEstate Planning
Ensure your assets and legacy transfer exactly as intended.
Learn MoreInsurance Planning
Evaluate coverage gaps and optimize protection for your family.
Learn More