Retirement Planning Guide

Retirement Should Feel Certain, Not Complicated

You built your career through discipline, consistency, and smart decisions. You saved, invested, and planned responsibly. Yet as retirement approaches, many successful families find themselves asking new questions.

Will my income last, how do taxes affect my withdrawals, when should Social Security begin, how do I protect against market volatility, what happens if healthcare costs rise.

Without a coordinated strategy, even strong portfolios can struggle to deliver lasting confidence.

Built for People Who Have Already Succeeded

This guide was written for professionals, executives, entrepreneurs, and families who have spent decades building something meaningful. It focuses on income sustainability, tax efficiency, long-term protection, coordinated planning, clarity over complexity, confidence over guesswork.

It reflects the same white-glove planning process Peak American uses with every client.

You are within ten years of retirement or already retired, you want a plan not just an account balance, you value transparency and integrity, you want decisions aligned with the life you have built, you want a trusted partner rather than a sales relationship.

Advice Built on Trust

At Peak American Investment Advisors, fiduciary responsibility is the foundation of every recommendation.

Your interests come first, advice is objective and transparent, planning is comprehensive and coordinated, every strategy is tailored to your goals, every decision is explained clearly.

This is how retirement planning should feel.

• Preparation Stage (40–55)
• Planning Stage (55–65)
• Transition Stage (62–70)

• Coordinating Social Security, Pensions, and Annuities 
• Smart Investment Withdrawals and RMD Strategies 
• Balancing Growth and Income for Long-Term Stability