Confident investing starts with a real plan
Build Income That Lasts
Income Planning
A strong retirement plan starts with steady, reliable income. We help you create an income strategy that supports your lifestyle now and evolves with your needs over time.
Turn Savings Into Paychecks
So you can enjoy what you’ve earned
Income planning is one of the most important parts of retirement—but it’s also one of the most overlooked. At Febbo Wealth Management , LLC, we help you turn your savings, investments, and other resources into a dependable income stream. Whether you’re just getting started or fine-tuning your existing plan, we’ll help you find clarity and confidence in how your money supports your life.
Our Income Planning Services
Tailored to your goals and lifestyle
There’s no one-size-fits-all approach to retirement income. We work with you to understand your full financial picture, then create a strategy that balances growth, risk, and flexibility.
Income Strategy Design
We help you decide when and how to draw income from your accounts, including IRAs, 401(k)s, pensions, and taxable investments.
Withdrawal Timing
Our guidance includes smart strategies for when to take withdrawals—and how to reduce unnecessary taxes or penalties.
Longevity Planning
Your income plan needs to last. We help model different scenarios to ensure your money supports your needs well into the future.
Investment Alignment
We align your investment strategy with your income goals, helping you maintain appropriate risk and generate reliable distributions.
Inflation & Lifestyle Adjustments
Life isn’t static—so your plan shouldn’t be either. We account for cost-of-living changes and help you adjust as life evolves.
Income Planning Questions
Helping you feel more confident
We’re here to help you understand how your income fits into the bigger picture of your financial life.
What is income planning and why does it matter?
Income planning is the process of turning your savings into a steady stream of income during retirement. It helps ensure that your money is available when you need it—without running out too soon or facing avoidable taxes. A well-designed income plan brings structure and peace of mind to your retirement years.
When should I start planning my retirement income?
Ideally, income planning begins a few years before retirement, but it’s never too early to get a head start. Understanding your available resources, spending needs, and tax considerations ahead of time can help you make smoother transitions and smarter decisions.
What sources of income should I include in my plan?
We’ll look at all your available income sources, including Social Security, pensions, annuities, rental income, and investment accounts. Each one has different rules, risks, and tax impacts—so we create a coordinated plan that works in harmony.
How do taxes affect my income plan?
Taxes can take a bite out of your income if you’re not careful. We help structure withdrawals in a way that aims to reduce your tax burden while still supporting your spending needs. Strategies like Roth conversions or asset location planning may also play a role.
What happens if my income needs change later?
Your plan should be flexible enough to evolve with your life. We revisit your income strategy regularly and make updates when your lifestyle, goals, or market conditions shift—so your plan stays aligned with where you are now.