Retirement Income Planning
Saving for retirement and living off your money are two different skills. We build the plan that turns what you’ve saved into reliable, tax-smart income — so you know exactly what you can spend, and your money lasts.
Schedule a CallFrom a nest egg to a paycheck
The hardest financial transition most people face is the shift from a steady paycheck to drawing income from savings. We answer the real questions — what can you spend, where should it come from, and how do you keep taxes low — in one coordinated plan.
What can you safely spend?
The single biggest retirement question. We model your income, expenses, and a sustainable withdrawal rate so you can spend with confidence — not guesswork.
Withdrawal sequencing
The order you draw from taxable, tax-deferred, and Roth accounts can add years to your money. We map the most tax-efficient sequence for your situation.
Social Security timing
When you claim can be worth tens of thousands over a lifetime. We coordinate your claiming strategy with the rest of your income plan.
The Two-Bucket approach
Safe dollars ready for near-term income, the rest invested for growth — so a down market never forces you to sell at the wrong time.
Tax-smart income
Roth conversions, bracket management, and charitable giving timed to lower your lifetime tax bill — coordinated with how you actually take income.
Healthcare & longevity
We factor Medicare, long-term care, and a longer-than-expected retirement into the plan, so a surprise doesn’t derail your income.
How much can you actually spend in retirement?
Our guardrails approach keeps your income steady through good markets and bad. Let’s map your number together.
Schedule a CallHow it works
Share a little about yourself
Our process starts with getting to know each other. Share a bit about your situation on a short intake form so we can see if there's a potential fit before anyone invests a lot of time.
An introductory conversation
Next up is a relaxed phone call—no pressure, no pitch deck—just a conversation to hear what's on your mind, answer your questions, and make sure we're pointed in the same direction.
If we're both a yes
When it makes sense to keep going, we'll walk through what working together looks like—how we'd organize your financial life, stay proactive, and help you feel confident about the decisions ahead.
Where we work
We serve clients in person and virtually. If you're nearby, we'd love to meet in person at your home or at our office. Many of our clients are located in Naperville, Lisle, Geneva, Chicago, Wheaton, West Chicago, St. Charles, Glen Ellyn, and Winfield.
Frequently asked questions
Heritage Wealth has been serving clients for over 30 years, providing comprehensive financial planning, investment management, and tax services to families approaching and in retirement.
We charge a flat percentage of the assets we manage only on the first $2M invested. Anything above that, and your fee is capped. Tax planning, preparation, and filing are included in our fee. We believe this is extremely fair to our clients.
Your accounts are held at a third-party custodian, not with Heritage Wealth directly. This provides an additional layer of security and transparency for your investments.
We schedule regular check-ins throughout the year to review your plan, discuss any changes in your life, and make adjustments as needed. Most clients meet with us quarterly, but we're always available when you need us.
Yes! Tax planning, preparation, and filing are included in our fee. Our in-house CPA and Enrolled Agents will prepare and file your return. If you already love your accountant, we'll collaborate with them and discount your Heritage fee accordingly.
Yes, Heritage Wealth is a registered investment adviser and we operate as a fiduciary. This means we are legally required to act in your best interest at all times.