Fee only FIDUCIARY · SAN ANTONIO
Can you keep the lifestyle you want once the paychecks stop? Wela’s CERTIFIED FINANCIAL PLANNER® professionals work it out with your real numbers: what you can spend each year, when to claim Social Security and which accounts to draw from first.
Build the base: Roth or traditional, how much to invest each month. A young family with a daughter plans a first home and college.
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Turn savings into a paycheck. A couple in their 50s plans travel, a home renovation and the right time to collect Social Security.
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See a hypothetical retired couple plan for RMDs, charitable giving and income for a surviving spouse.
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We review your spending, savings, pension and Social Security to find the year your income can cover your life.
We compare each claiming age against your health, your spouse’s benefit and your other income.
We map your taxable, IRA and Roth accounts to find the order that keeps more of your money out of taxes.
We weigh your tax bracket today against what RMDs and Social Security will add later.
We plan coverage from your retirement date to 65, then match Medicare choices to your income.
We run both options against your health, the pension’s terms and the rest of your income.
This guide offers practical steps to help you plan for retirement with clarity & confidence.
Myth
Fact
At 62, benefits drop up to 30% for good (full retirement age 67). Each year past 67 adds 8%, until 70.
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Payments would shrink, not stop. If Congress doesn't act, combined reserves are projected to empty in 2034, with taxes covering about 83% of scheduled benefits.
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Fact
Up to 85% of Social Security can be taxable. RMDs generally start at 73. Income over $109,000 ($218,000 joint) raises Medicare premiums two years later.
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Fact
You can, often in lower-income years before RMDs at 73. Converted pre-tax money is taxed and can't be undone. Your own Roth IRA never requires withdrawals.
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Fact
Sign-up runs 7 months around your 65th birthday, not retirement. Late Part B without qualifying coverage adds 10% per full year, usually for life.
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Fact
It doesn't cover custodial care, like help bathing or dressing. Part A helps with skilled nursing for up to 100 days per benefit period after a 3-day inpatient stay.
Sources: SSA, IRS, Medicare.gov, 2026 Trustees Report. As of October 2026. This information is not intended as tax or legal advice. Consult a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.
