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At Henri Godard Consulting, we design retirement plans that match your lifestyle and timeline, not just your account balances. We coordinate Social Security, pensions, portfolio income, and required distributions into a tax-aware plan that’s stress-tested across market cycles, inflation paths, and longevity.
We build a clear spending strategy using cash-flow mapping and “income buckets” (cash, bonds, and growth assets), so near-term needs are insulated while long-term purchasing power is protected. We address sequence-of-returns risk, inflation, and healthcare costs, and we integrate Roth conversions, tax-efficient withdrawals, and smart RMD handling to help you keep more of what you’ve saved.
We’ll help you answer the big questions with data: When can I retire? How much can I spend—safely? What’s the best time to claim Social Security? How do we protect against what we can’t predict? We use evidence-based guardrails to adjust spending up or down as conditions evolve, keeping your plan durable without being rigid.
Retirement is a multi-decade project. We review your plan annually—and anytime life changes—to update assumptions, refresh projections, and make practical adjustments. The result is clarity about what you can spend today, and confidence that your plan is built to last.
Every engagement includes a written plan and implementation roadmap covering:
Dynamic “guardrails” (floor/ceiling) spending, cash buckets, and tax-efficient account sequencing.
Claiming analysis for singles/couples, survivor optimization, and pension lump-sum vs. annuity decisions.
Bracket management, Roth conversions, QCDs, NUA review, and RMD coordination to reduce lifetime taxes.
Allocation built for withdrawals, disciplined rebalancing, and downside risk rules.
We coordinate with your CPA and estate attorney, monitor legislative changes, and update your plan annually—or sooner when life events (business sale, inheritance, relocation) change the picture.
Current cash flow, lifestyle goals, values, and non-negotiables.
Longevity, inflation regimes, bear markets, healthcare shocks.
Clear spend plan, account sequence, tax map, and investment policy.
We implement and review quarterly; adjust when conditions change.
A couple retiring at 63 with mixed taxable/IRA/Roth assets faced a high RMD tax cliff at 73. By implementing partial Roth conversions between 63–70 while delaying Social Security to 70, we reduced projected lifetime taxes and increased sustainable after-tax income, with IRMAA managed.
Investing involves risk. Past performance is not a guarantee of future results. This content is for informational purposes and is not tax or legal advice.
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