YOUR PORTFOLIO HAS A NEW JOB
RETIREMENT INCOME AND TAX PLANNING FOR PROFESSIONALS 5-10 YEARS FROM RETIREMENT
You’ve spent decades doing one thing with your money, building it.
And you’ve done a good job.
But as retirement gets closer, the goal shifts.
Now it’s about turning those savings into a paycheck you can rely on, one that’s designed to last, structured to be tax-efficient, and built around how you actually want to live.
Most people don’t realize how much changes in this transition…until they’re already it it.
20 minutes. No pressure. Just a conversation
The Years Before Retirement Matter More Than Most Realize
This is the phase where small decisions can have lasting consequences.
— When should you start Social Security?
— Which accounts should you draw from first?
— How do you manage taxes across IRA, Roth, and brokerage accounts?
— How much income can you safely generate without running out?
Most portfolios are built for growth.
Very few are designed to produce reliable, tax-efficient income.
And that gap is where unnecessary risk shows up.
A Plan Designed for the Transition - Not just the Accumulation Years
At this stage, financial planning becomes less about building wealth and more about using it wisely.
The focus shifts to:
— Creating a sustainable retirement paycheck
— Structuring withdrawals to reduce lifetime taxes
— Coordinating investment strategy with income needs
— Adjusting the plan as markets and life evolve
Everything works together. Not in isolation.
A Clear, Simple Process
Step 1 - Retirement Fit Call
A brief conversation to understand where you are and what you’re trying to solve.
Step 2 - Discovery & Analysis
We organize everything - investments, taxes, income sources - and identify opportunities and gaps.
Step 3 - Your Retirement Income Plan
You’ll see how your income is generated, how taxes are managed, and how the plan holds up over time.
Step 4 - Ongoing Guidance
Annual reviews, proactive tax planning, and a direct line when life changes, so your income, taxes, and investments stay aligned year after year.
Work Directly With Patrick
For nearly 2 decades, I’ve helped professionals navigate the shift from building wealth to living off it.
I’m Patrick Thompson, Accredited Wealth Management Advisor™
As your fiduciary advisor, my job is to navigate the terrain, carry the complexity, and help you turn your savings into a tax-smart retirement paycheck so you can focus on living the life you’re working hard to build.
Every step we take together is intentional, and every route is carefully planned to move you toward your retirement goals with clarity and confidence. Whether you’re in nearby Dana Point or across the country, I’m here to chart your path through the last 5-10 working years and beyond.
If you’ve got 20 minutes and want to see what a clear retirement income and tax plan could look like for you, let’s hop on a call to see if we’re a good fit.
GUIDING YOU THROUGH YOUR FINANCIAL JOURNEY
Who This Planning is Designed For
This is typically a good fit if you:
— Are within 5-10 years of retirement
— Have $500K - $3M+ saved across retirement and brokerage accounts
— Want clarity on how to turn your savings into income
— Care about reducing taxes—not just this year, but over time.
— Prefer a thoughtful, long-term approach over quick answers
Independent. Fee-Only. Built Around You.
Sentient Financial is a fee-only advisory firm.
That means:
— No commissions
— No proprietary products
— No outside incentives influencing recommendations
Just advice and planning designed around what’s in your best interest.
Start With a Clearer Picture
If you’re approaching retirement and want to better understand where you stand, the Retirement Transition Field Guide walks you through the key decisions that shape this phase.
It’s a practical way to organize your thinking before making any major moves.
You Don’t Need a Perfect Plan to Get Started
Most people wait too long because they feel like they should have everything figured out first.
You don’t.
You just need a starting point and a clear next step.
If you’re getting close to retirement and want to understand how all the pieces fit together, we can start there.
“Patrick has been my financial advisor for over 15 years. His honesty, collaboration, communication, and strategic vision have consistently driven my portfolio to new heights”
- Jeff S., Laguna Niguel, CA
Testimonials are provided by current clients. They are unpaid, may not be representative of all clients, and are not a guarantee of future performance or success.
