📍Serving Raleigh, Durham, Cary & North Carolina
Turn Your Savings into a Retirement Paycheck
You’ve worked hard, saved diligently, and now retirement is finally here, or just around the corner. But retirement isn’t about building savings anymore. It’s about making what you’ve saved provide a reliable income that lasts for the rest of your life.
At Haven Financial Advisory, we help retirees in Raleigh and across North Carolina turn their nest egg into a plan that feels like a steady paycheck. Our focus is on helping you enjoy retirement with confidence, knowing your income is secure and your money is working efficiently.
Comprehensive Retirement Income Services
When the paychecks stop, the big question becomes: Where will my income come from? We help you build a retirement income strategy that brings clarity and confidence.
Retirement Planning
By coordinating pensions, Social Security, investment accounts, and other savings, we create a structured withdrawal plan designed to keep income flowing while managing taxes and reducing the risk of running out of money. For Raleigh retirees, it’s about replacing your working paycheck with a retirement paycheck that’s built to last.
As part of this process, we also look at how your broader investment portfolio aligns with your retirement income strategy, helping ensure your money is working as hard for you now as it did while you were saving.
Social Security Timing Strategies
When you claim Social Security can significantly change your retirement income. Taking it too early may leave money on the table, while delaying can boost your lifetime benefit.
We'll walk you through how different claiming ages affect your income and show you strategies for spousal and survivor benefits. Our goal: helping retirees in North Carolina maximize their Social Security so it works seamlessly with your other retirement income.
Roth IRA & Traditional IRA Planning
In retirement, how you use your accounts matters as much as how you saved into them. Traditional IRAs, Roth IRAs, and other retirement accounts all carry unique tax rules and opportunities.
We'll guide you through which accounts to draw from, and when to balance your income needs with smart tax management. The right strategy can make your money last longer and keep more in your pocket.
Roth Conversions
Roth conversions can be a powerful tool for retirees, especially before required minimum distributions (RMDs) begin. By strategically moving assets from a Traditional IRA into a Roth IRA, you can reduce future taxes and create more flexibility in retirement.
We'll help you evaluate if a conversion is right for you, calculate how much to convert, and design a strategy that fits within your broader withdrawal plan.
Tax-Efficient Retirement Strategies
One of the fastest ways to run through savings in retirement is by paying more taxes than you need to. That’s why tax efficiency is at the core of our planning.
We help Raleigh retirees design income strategies that minimize unnecessary taxes by sequencing withdrawals wisely, balancing taxable and tax-free accounts, and planning around required minimum distributions. The result: more of your money stays with you, where it belongs.
Retirement is different once you stop working. You're not adding to accounts anymore, you're drawing from them. That shift requires a new way of thinking.
For retirees in Raleigh and the Triangle, planning also means factoring in:
North Carolina's tax treatment of retirement income
The rising cost of living and healthcare in the area
How to enjoy today while protecting your future income
The legacy you may want to leave for loved ones
If leaving a lasting impact is part of your goals, our Family & Legacy Planning services can help ensure your retirement plan also supports your loved ones and future generations.
Why Retirement Income Planning Matters
How We Work With Retirees
Our process is built around clarity and confidence. We start by understanding your current income sources and expenses, then build a plan that balances lifestyle and longevity.
Because we're based right here in Raleigh, you'll always have a local partner to help make adjustments as life changes. Retirement shouldn't be stressful, and with a thoughtful income plan, it doesn't have to be.
Local Expertise
📍 Serving Raleigh, Durham, Cary, and surrounding North Carolina communities
Personal Service
📞 Direct access to your advisor when you need guidance
Ready to Create Your Retirement Income Plan?
If you’re nearing retirement or already retired, now is the time to make sure your money is working for you. Whether you need a second opinion or a complete income plan, we’re here to help.
Serving Raleigh, Durham, Cary, and surrounding North Carolina communities.
Contact us today to schedule your retirement planning session.