Erdman Financial Group
Whether you're a decade out or already retired, we help you build an income plan that keeps your money working so you can stop worrying and start living.
Where Are You Right Now?
5–10 Years Out
The decade before retirement is the most critical window for getting your strategy right. There's still time to optimize, but not time to waste.
Already Retired
Retirement changes everything about how your money needs to work. We help you draw income confidently, without the fear of running out.
The Real Risks
A market downturn early in retirement can permanently damage your portfolio, even if markets recover later. The order of returns matters as much as the average return.
Living a long life is a blessing, but it requires a plan. Many retirees underestimate how long their money needs to last, especially with rising life expectancies.
Healthcare is one of the largest and most unpredictable expenses in retirement. Without a plan, a single health event can derail decades of careful saving.
Without a smart withdrawal strategy, taxes can quietly erode your income year after year. The order you pull from accounts matters more than most people realize.
What costs $100 today could cost significantly more 20 years from now. Your income plan needs to keep pace, or your purchasing power quietly disappears.
Without proper estate planning, the wealth you've spent a lifetime building may not transfer the way you intend, or to the people who matter most to you.
How We Address It
Timing your Social Security claim is one of the highest-impact decisions you'll make. We model multiple scenarios to find the strategy that maximizes your lifetime benefit.
We build a coordinated withdrawal plan across all your accounts, pensions, 401(k)s, IRAs, brokerage accounts, designed to maximize income while minimizing unnecessary risk.
We sequence withdrawals across taxable, tax-deferred, and tax-free accounts to manage your tax bracket year by year, keeping more of your income in your pocket.
We build buffers into your plan, cash reserves, income layers, and allocation strategies, designed to protect your portfolio when markets dip early in retirement.
We help you plan for healthcare costs before and after Medicare eligibility, including long-term care options that protect your assets without sacrificing your quality of life.
We work alongside your estate attorney to ensure your wealth passes efficiently and intentionally, protecting your family and honoring everything you've worked to build.
The Income Journey
This is where the foundation is built. We focus on maximizing savings, optimizing account types, stress-testing your plan, and making the critical decisions. Social Security timing, healthcare bridge coverage, and asset allocation shifts, before you ever stop working.
The first years of retirement are the most vulnerable, this is when sequence of returns risk is highest and when decisions made now can echo for decades. We build a smart, sequenced income plan that keeps your lifestyle intact and your portfolio protected.
As retirement progresses, healthcare needs grow, RMDs kick in, and the focus shifts to long-term sustainability. We adjust your income strategy to reflect your changing needs, managing distributions, Roth conversions, and healthcare costs with intention.
What you've built is worth protecting. We help ensure your remaining wealth transfers to the people and causes you care about, efficiently, intentionally, and with as little friction as possible for the people you leave behind.
Who This Is For
The people who get the most out of retirement income planning aren't necessarily the wealthiest, they're the most intentional. If that sounds like you, we're ready to get to work.
"Retirement isn't about having enough money to stop working. It's about having a plan that gives you the freedom to live on your own terms."— Erdman Financial Group
Let's Build Your Income Plan
Schedule a complimentary consultation and let's map out a retirement income strategy that gives you clarity, confidence, and the freedom to enjoy what you've earned.
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