Turning Savings into a Retirement Paycheque
Accumulation trains people to watch a number go up. Retirement asks a different question: which accounts, in which order, in which year, so that tax, markets and longevity do not trip over each other. The switch is emotional as well as mathematical. A well-built paycheque design reduces the urge to tinker.
We map essential spending separately from flexible spending. Essential needs get a higher-certainty sleeve. Flexible goals can ride market exposure with eyes open. Withdrawal rates are a starting conversation, not a law of nature. The right rate depends on other income, housing, health and whether you still have optionality to earn.
Employer plans, personal accounts and any business sale proceeds should be one picture. Raymond Sachs sits with that full picture so the first decade of retirement is a plan, not a series of ad-hoc withdrawals.
