A retirement plan is not a portfolio and a hope. It's an income plan, a tax plan, and an estate plan that agree with each other — built by a fiduciary who is paid to plan, not to sell. That's what we've done for Utah families since 2008.
Not a rule of thumb. A year-by-year model of your spending, your income sources, and your taxes that produces a number you can verify — and revisit as life changes.
Which account funds each year of spending — taxable, traditional, Roth — is a sequencing decision worth real money over a retirement. It deserves a plan, not a default.
Required minimum distributions can force income you don't need at rates you didn't choose. The window between retirement and RMD age is often the best Roth conversion opportunity of a lifetime — if someone is watching for it.
Beneficiaries, titling, trusts, and the tax character of what each heir receives — decided deliberately, documented properly, and kept current.
Most retirees shuttle between an advisor, a CPA, and an attorney who have never spoken. At Cannon, fiduciary investing and CPA-led tax strategy sit at the same table — in Cottonwood Heights, serving clients across Utah and beyond.
Educational only — not investment, tax, or legal advice. Every situation is different; the right answer depends on the numbers, and that's what the strategy session is for.
Sit down with a fiduciary — not a salesman — and leave with a complimentary strategy for your exact situation, whether or not you ever hire us.