Retirement Income Planning


Investors work and save their entire lives with the hopes of a safe and secure retirement. However, the transition from saving for retirement to income distribution during retirement is a topic that most investors may be unfamiliar with.

At Michael J. Lucia & Associates we assist clients in the creation of a retirement income plan that can help them generate inflation-adjusted income for life while reducing market risk. This may be achieved through various financial products.

Components of a Retirement Income Plan

    • Retirement Income Goals & Projections
      Upon reviewing each client's income goals, Michael J. Lucia & Associates provides advice regarding the range of retirement income the client's portfolio should be able to sustain.

    • Retirement Income Tax Management
      Reducing taxes during retirement may have a significant impact on a retiree's spending power. We help clients understand which accounts to take distributions from first, when to consider larger distributions or investment re-characterizations, and strategies for balancing portfolio income with other income sources.

    • Fixed Income Investment Strategies
      The list of fixed income investment options may be daunting — Bonds, CDs, Fixed Annuities, Immediate Annuities, Money Market Accounts, Structured Notes, Ginnie Maes, Municipal Bonds, Target Income name just a few. We help clients understand which investment options may be most effective.

  • Growth Investment Strategies
    Retirement is still a time when many investors need to maintain an exposure to growth investments in order to provide potential long-term growth that keeps pace with inflation. At Michael J. Lucia & Associates we help clients determine which growth investments are most appropriate for their retirement income goals.

Click here for a complimentary consultation to see how we can help you plan for your financial future.


There are risks involved with investing, including possible loss of principle. Investments will fluctuate and may be worth more or less than when originally purchased.






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At Michael Lucia & Associates we have an extensive track record serving the needs of high net worth investors.


At Michael Lucia & Associates we have an extensive track record serving the needs of high net worth investors.