Retirement Planning Services

Post-Career Success

Planning for retirement takes time and thoughtful planning—two things that are in short supply for busy professionals. At Monument, we help you define your retirement goals, model different scenarios, and create a plan that prepares you for this next stage of life.

Retirement Planning Needs to Be Strategic

We don’t approach retirement as a destination—we see it as a post-career lifestyle. We’ll create a strategy to support your retirement vision, taking into account:

Integrated Retirement plan

Without an integrated plan, you risk:

Our retirement planning services are designed to help you avoid missteps and move into retirement confidently.

What Do Monument’s Retirement Planning Services Cover?

You’ve amassed savings and wealth. Now you want to use it to live comfortably when you stop working, while still fulfilling your legacy goals. We create your retirement plan in concert with your broader wealth strategy to help you achieve your vision.

Cash Flow and Spending Forecasts

We model your cash needs in retirement adjusting for inflation, based on your lifestyle and goals. Whether your goal is to spend all of your money in your lifetime or leave some to your heirs or a charity—we plan for your unique situation.

Withdrawal Strategy

We help you determine the most tax-efficient way to draw down your assets, including IRAs, 401(k)s, brokerage accounts, and more. Our approach emphasizes flexibility as markets and laws change.

Social Security Optimization

We analyze when to claim Social Security benefits based on your income needs, longevity, and survivor considerations—factoring in long-term projections and tradeoffs.

Medicare and Health Care Planning

We help you plan for health and long-term care expenses and evaluate Medicare options, and long-term care expenses.

Tax Planning

We integrate retirement income strategy with tax planning—evaluating Roth conversions, tax brackets, and capital gains to help you keep more of what you’ve earned.

Scenario Modeling

We test your plan under different market, inflation, and longevity scenarios—to help you live out your retirement years with confidence. We also evaluate the financial impact of big decisions like downsizing, travel, or legacy gifts.

Investment and Risk Management

As you near retirement, you may need to make portfolio adjustments, including a cash strategy to manage sequence of return risk. We start this prep work a few years ahead of time – ideally about five years before you make the official leap into retirement.

Who Our Retirement Planning Services Are Built For

We work with individuals and couples who:

Have made a lot of compromises throughout their career, and want to create a plan to live comfortably in retirement
Have complex retirement savings across multiple accounts
Are getting ready to transition into retirement, but want clarity and confidence in their plan
Want to better understand how much they need based on timing, income, and lifestyle
Are navigating decisions like downsizing, gifting, or legacy planning

The Monument Approach to Retirement Planning

We help answer the question: “How do I switch from building wealth to spending my wealth, smartly?” Our retirement planning is designed to be:

Integrated

Your retirement plan should be connected to your investment strategy, tax outlook, and long-term goals.

Adaptable

We revisit and adjust as your life evolves—because it will.

Data-Informed

We use data and scenario modeling to test assumptions, plan for the unexpected, and clearly identify your options.

Values-Aligned

We help you retire on your own terms, aligned with your vision.

What Will You Walk Away With?

When we partner with you on retirement planning, we help you gain:

Private Wealth Advisors Erin M. Hay, CFA®, CMT® and Nate W. Tonsager, CIPM®

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Please Note: Limitations: The above is a hypothetical scenario not involving an actual Monument Capital Management, LLC (“Monument”) client. It illustrates the hypothetical experience of a fictitious client based on a scenario that an actual client might experience. The scenario is designed to help illustrate how Monument might provide services to similarly situated clients. Keeping in mind that no two clients, situations, or experiences are exactly alike, the above should not be construed as an endorsement of Monument by any of its past or current clients, nor any assurance that Monument may be able to help any client achieve the same satisfactory results. To the contrary, there can be no assurance that a client or prospective client will experience a certain level of results or satisfaction if Monument is engaged, or continues to be engaged, to provide investment advisory services. A copy of our current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request or at monumentwealthmanagement.com/disclosures

Ready to Make Your Retirement Vision a Reality?

If education funding is a priority for you, our team can help you make confident decisions within the context of your broader wealth picture.

Please Note: Limitations.  The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. Monument Capital Management, LLC does not serve as an attorney, accountant, or insurance agent.  Monument Capital Management, LLC does not prepare legal documents or tax returns, nor does it sell insurance products. Please Also Note: Different types of investments involve varying degrees of risk.  Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by Monument Capital Management, LLC) or any planning or consulting services, will be profitable, equal any historical performance level(s), or prove successful. A copy of our current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request or at monumentwealthmanagement.com.