You Saved for Retirement. Now You Need a Plan to Spend It Wisely
Turn your 401(k) or IRA into a reliable monthly paycheck. Coordinated guidance for individuals and couples who want structured income without the sales pressure.
The hardest part of retirement isn't saving
It's figuring out how to safely spend what you've saved without running out of money. The rules have changed. You are no longer trying to beat the market; you are trying to generate a consistent, tax-efficient retirement paycheck.
Common withdrawal mistakes include:
- Pulling from the wrong accounts at the wrong time.
- Triggering massive, unexpected tax bills from IRA withdrawals.
- Lacking a buffer for sudden market downturns.
A smarter withdrawal strategy
We build customized withdrawal strategies that coordinate your 401(k), IRAs, and taxable accounts to optimize your monthly income. You get transparent, fee-only guidance—meaning we sit on your side of the table to protect your wealth, not to sell you hidden annuities.
Reduce unnecessary taxes in retirement
Make confident financial decisions with a clear plan
The Retirement Paycheck Review
Designed specifically for people within 10 years of retirement who want to know exactly how their savings, pensions, and investments could become a sustainable monthly income. In your first conversation, we will:
- Evaluate your current investment mix.
- Identify how to create a "paycheck" from your portfolio.
- Determine if our firm is the right fit for your ongoing income management. CTA Button: Book Your Paycheck Review
Our Simple 3-Step Process
1. Discover
We review your timeline, fears, and financial reality.
2. Analyze
We stress-test your current savings against your future income needs.
3. Plan
You leave with a clear understanding of your readiness to retire.
Trusted by Clients Planning for Income Planning
Amelia
"We first met with CochranMickles when my husband was getting ready to retire. We did a lot of Internet researching before we decided upon that appointment. We were as nervous about the prospect of someone else going over our finances as we were about being able to afford retirement. We’d heard horror stories about retirees who were duped by financial advisors who turned out to be unscrupulous. We quickly surmised this would not be the case here. Meeting with them to do our retirement plan was money well spent. A few years later, after my husband retired, we asked CochranMickles to handle our retirement."
Norman
"I want to thank CochranMickels for fifteen years of steady growth in my Trust and Savings Accounts. Your availability and counsel have provided me with a secure financial plan that allows me to be confident that those who succeed me will benefit. In addition, it is comforting to know that I can call on CochranMickels when questions arise on wills and other financial related matters. Both you and my account executive, Lucas Staples, have been a pleasure to do business with. I look forward to more years of financial security with your company."
This Readiness Review is designed for you if:
- You are planning to retire within the next 1 to 5 years.
- You have $500K+ in investable assets.
- You want a trusted, fee-only fiduciary—not a product salesperson.
Don’t Leave Your Income Planning Date to Chance
The decisions you make today will impact your income for decades.
Get clarity. Reduce risk. Move forward with confidence.
Complimentary Income Planning Analysis
Fill out the form below to get started:
4801 University Square Drive, Suite 26 Huntsville, AL 35816
Huntsville Office: 256-417-4870
Orlando Office:
407-220-1040
Disclaimer:
Investment Advisory Services are offered through CochranMickels Retirement Specialists, LLC., a state-registered investment advisor domiciled in Alabama.