Retirement Income Design
The transition from accumulation to drawdown is the most consequential decision in most financial plans. We design retirement-income strategies that survive long lives, market shocks, and tax-policy change.
The scope of work.
The Cascade approach.
Jamal Rivers has built retirement income plans for 1,200+ households using a 3-bucket cash/bond/equity framework refined over two market cycles.
Cascade's claiming software models all eight major strategies, including spousal and survivor optimization, against your tax and income picture.
Withdrawal sequencing is built around bracket management, IRMAA thresholds, and surviving-spouse tax cliffs — not generic rules of thumb.
Pre-65 bridge planning, Medicare enrollment guidance, and Part B/D premium management built into every retirement plan.