Retiring in Issaquah? Here’s What You Should Know About Planning Your Next Chapter

Willy Gevers |

Retirement should feel like freedom, not uncertainty. But planning for retirement can feel very stressful. The best way to alleviate that stress, is to feel confident about the plan you have. 

The goal of this article is to help answer questions you may have as you consider retirement. 

Here are the some of main ways we help our clients get more confident about retirement: 

 

1. Building a Reliable, Tax-Efficient Retirement Income Plan

Once the paychecks stop, your retirement income strategy becomes one of the most important parts of your financial life.

Many new clients come in with scattered accounts like old 401(k)s, IRAs, brokerage accounts, but no clear strategy for how to use those assets in retirement. Without a plan, it’s easy to pay more in taxes than you should.

We help clients answer questions like:

  • Which accounts should I draw from first?
  • Should I take Social Security now or wait?
  • When does a Roth conversion make sense?
  • How can I reduce the taxes on my Required Minimum Distributions (RMDs)?

We create clear retirement income plans that show exactly how to use your savings each year, while keeping taxes low and making your money last.

 

2. Investing for Income and Stability, Not Just Growth

Many retirees are still invested the same way they were in their 40s and 50s, chasing growth without realizing how much risk they’re carrying. That can work when you have a paycheck coming in, but in retirement, everything changes. You become a withdrawer of your portfolio rather than a contributor. When you rely on your portfolio for income, your appetite for risk should decrease. 

We help shift portfolios toward:

  • A healthy mix of growth and stability
  • Adequate diversification
  • Tax efficiency across all accounts

You’ve worked hard to build your nest egg. We work to protect it and give you confidence in how it’s invested. Most importantly, we help align your investment portfolio with your goals. 

 

3. Reviewing and Updating Your Estate Plan

Estate planning is about more than just a will. It’s about making sure your wishes are clear, your documents are up to date, and your loved ones aren’t left with a mess.

We often help retirees in Issaquah review:

  • Wills and trusts
  • Power of attorney and healthcare directives
  • Beneficiary designations
  • Tax strategies for transferring wealth

We coordinate with your attorney or recommend one if needed. Our goal is to help you stay in control of your legacy. With new Washington State Estate Tax laws in place, this is of the utmost importance. 

 

Serving Retirees in Issaquah and the Greater Seattle Area

Whether you’ve lived here for years or you just moved to the area, we’d love to help you feel more confident about your financial future.

We offer a complimentary introductory meeting to get to know you and your family. Feel free to schedule some time here. 

Trey Gevers CFP®
Financial Advisor & Partner
Phone: 425-902-4840
Email:tgevers@geverswealth.com
5825 221st Pl SE
Suite 102
Issaquah, WA 98027
geverswealth.com