Retirement
Comprehensive Retirement Planning
Pensions, savings, Social Security timing and annuities mapped into reliable, tax-aware income you can count on.
Where the retirement income gap opens
Most people arrive at the last paycheck with plenty of accounts and no paycheck replacement. A pension covers some of the month, Social Security covers some more, savings are meant to cover the rest, and nobody has written down which dollar comes from where. That unwritten space is the income gap, and Bruno Pouliot starts every retirement conversation by finding its size.
Social Security timing is usually the first lever he pulls. The planning looks at when to claim, how spousal and survivor options change the picture for the second spouse, and how the benefit fits with everything else you will draw on. The same session maps pensions, savings, annuities, part-time work and rental income against what you actually spend in a month.
The people who call from around Chattanooga include retirees, pre-retirees, teachers, administrators, college professors, first responders and Federal and State Government Employees. Many already have a plan from someone else and want a second opinion before they act on it.
Empty rocking chair with a wool throw on a porch facing misty hills at sunrise
Mapping the income stream, module by module
The Lion Of Judah process runs on 14 retirement planning modules, and not every module applies to every household. Social Security timing, bridging the income gap, designing the income stream, investing principles, health care options, insurance and risk, tax and estate objectives, and a review of real estate and other illiquid holdings are the ones that come up most. You and Bruno decide which to open.
Designing the withdrawal strategy is the heart of it: which accounts feed the monthly income first, how stability is balanced against growth, and how the sequence stays tax-aware. Bruno does not give tax advice, so the account sequencing is built alongside a CPA from the planning team, and any legal questions go to the team's attorneys.
Investing principles are taught in plain terms: matching risk to your time horizon and income needs, watching costs, and staying consistent instead of reacting to headlines. Health care gets its own session on Medicare, supplements and rising costs, because that one line item can quietly undo a sound plan. The insurance side of that is covered under Insurance Planning.
The move from saving to spending, and the check-ins after
Stopping work is an emotional shift as much as a financial one. For decades the job was to accumulate, and now the job is to distribute without running dry. Bruno builds time into the process for budgeting, purpose and lifestyle questions, because a plan that ignores how a person wants to spend their days gets abandoned within a year.
Everything shared in a planning session is confidential, and the process is education first. Bruno does not sell you a product to close a gap. Recommendations are reviewed with you, and any change that is needed is discussed with your retirement planner before anything moves.
Then come the regular check-ins, by phone or Zoom, from Chattanooga to anywhere in the continental USA. Pensions change, Medicare options change, families change, and the plan is meant to be revisited with them. If you want to see how Bruno works before you commit to anything, start with the Free Financial Health Review.
Bruno E. Pouliot has held the Chartered Retirement Planning Counselor designation (CRPC) since 2005. Call (423) 326-5299 to talk through your retirement income.
Plans that connect to this one
A retirement income plan rarely stands alone. The same session often opens a conversation about insurance planning for the income streams you are counting on, and about estate planning so what remains passes to your family the way you intend.
To see how the coaching itself runs, read the financial coaching profile, or answer a few questions in the 3 Minute Money Plan.