Your Retirement Should Feel Like Freedom. Let's Keep It That Way.
You spent decades building toward this moment. We work alongside retirees across New York, Pennsylvania, Virginia, Maryland, and Washington DC to make sure their money supports the life they envisioned for as long as they need it to.
Retirees
Congratulations. Retirement is yours to enjoy.
The question now is not how to save. It is how to make what you have built last, grow where it can, and leave something meaningful behind. At MFM, we specialize in retirement income planning in New York and across the Mid-Atlantic, working alongside you to craft a personalized withdrawal strategy that fits your circumstances and helps you pursue the goals and experiences that matter most to you.
Because this chapter of your life deserves to be lived fully, not spent worrying about whether the money will hold.
OUR SERVICES
How We Help You Live Well in Retirement
Wealth Preservation
Growing your wealth was one challenge. Protecting it is another. We build wealth preservation strategies designed to keep your assets working through market cycles, inflation, and the unexpected costs that come with longer lives. The goal is simple: make sure what you built lasts.
Distribution Strategies
How you withdraw money in retirement matters just as much as how much you saved. We help you build a retirement income strategy that coordinates your Social Security, investment accounts, pensions, and other income sources in the right order, at the right time, to minimize taxes and maximize how long your money lasts.
Social Security Planning
When to start Social Security is one of the most consequential decisions in retirement. Claim at the wrong time and you could leave tens of thousands of dollars on the table over your lifetime. We help you understand every option available to you and choose the timing that maximizes your lifetime benefit based on your specific situation.
Longevity Planning
A retirement that lasts 25 to 30 years is no longer the exception. It is the expectation. We build longevity planning strategies for New York retirees that protect your standard of living decade by decade, so you never have to make difficult choices about your lifestyle because the math stopped working.
Legacy Planning
What you leave behind is as important as how you live. We help you build generational transfer strategies that pass your wealth to the people and causes you care about in the most tax-efficient way possible. Working alongside trusted legal professionals, we make sure your wishes are documented, your assets are organized, and your family is protected.
Healthcare Planning
Healthcare is the expense most retirees underestimate. Long-term care alone can cost hundreds of thousands of dollars and is rarely covered the way people expect. We help you plan for your healthcare needs and long-term care costs before they become a crisis, so the decision is yours to make, not one forced on your family.
Frequently Asked Questions
Questions Retirees Ask Us
How do I make my retirement savings last in New York?
The three biggest threats to retirement savings are withdrawing too much too early, underestimating inflation, and unexpected healthcare costs. A smart retirement income plan coordinates your withdrawal sequence, adjusts for inflation over time, and builds a buffer for healthcare expenses so none of these catches you off guard.
What is a retirement withdrawal strategy and why does it matter?
A withdrawal strategy determines which accounts you pull from first, how much you take each year, and how you manage taxes on those withdrawals. Done well, it can extend how long your money lasts by years. Done poorly, it can cost you significantly in unnecessary taxes and early depletion of your savings.
What is longevity planning?
Longevity planning is building a financial plan that accounts for a retirement of 25 to 30 years or more. It covers withdrawal rates, inflation protection, healthcare costs, and income sources that do not run out. It is the difference between a plan that works for 15 years and one that works for life.
How do I transfer wealth to my children in a tax-efficient way?
There are several strategies available depending on your situation, including annual gifting, trusts, Roth conversions, and charitable vehicles. The right approach depends on the size of your estate, your income needs, and your goals. We work with your estate attorney to build a plan that transfers as much as possible with as little lost to taxes as possible.
When should I start taking Required Minimum Distributions?
Required Minimum Distributions begin at age 73 under current law. Missing an RMD or taking the wrong amount results in a significant tax penalty. We track your RMD obligations across all of your accounts and make sure the timing and amounts are always correct.
What is the difference between legacy planning and estate planning?
Estate planning is the legal side including Wills, trusts, powers of attorney, and beneficiary designations. Legacy planning is broader. It covers not just how assets transfer but what values, intentions, and family conversations go with them. At MFM we help with both, working alongside your legal team on the documents and with you on the bigger picture.