Retirement Income Planning in Las Vegas

You spent your working years building a nest egg. The next job is turning it into a paycheck that lasts. Ntact Retirement Solutions helps Las Vegas retirees and near retirees coordinate Social Security timing, withdrawals, taxes, and risk into one written income plan.

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CFP^® CERTIFIED FINANCIAL PLANNER™ professional

26 Years Serving Las Vegas retirees and future retirees since 2000

Fiduciary Advisory recommendations in your best interest

Fee-Based RIA Nevada registered investment adviser

Turning Savings into a Retirement Paycheck

Saving for retirement and living off those savings are two different jobs. For thirty or more working years the question was how much to put in. The day the paychecks stop, the question flips: how much can come out each month, from which account, in what order, and what happens to that number if markets fall, taxes change, or one spouse lives much longer than the other.

Retirement income planning answers those questions in writing. At Ntact Retirement Solutions we map every source you have, Social Security, retirement accounts, taxable investments, pensions, annuity contracts, and rental or business income, then build a withdrawal strategy that funds your essential expenses first and your travel, hobbies, and family goals next.

We are a Las Vegas firm. We meet clients at our Regatta Drive office, and we review the plan on a regular schedule rather than filing it away, because an income plan only works if it keeps up with your life and with the markets.

Why Retirement Income Planning Matters

The risks that matter most in retirement are not the ones that hurt you while you were saving. Sequence of returns, taxes, inflation, and longevity all behave differently once withdrawals begin.

Social Security Covers Less than Most People Expect

The Social Security Administration reports that benefits replace about 40 percent of pre-retirement earnings for a worker with average wages (Social Security Administration, "Benefits Planner: Retirement"). The rest has to come from somewhere, and deciding where is the heart of an income plan.

Claiming Age Changes the Benefit Permanently

Claiming before full retirement age permanently reduces a worker's benefit, while delaying past full retirement age earns delayed retirement credits up to age 70 (Social Security Administration). For a married couple the timing decision affects the survivor benefit too.

The Tax Bill Does Not Retire with You

The IRS requires most retirement account owners to begin taking required minimum distributions at age 73 (Internal Revenue Service, "Retirement Topics: Required Minimum Distributions"). Which accounts you draw from in your sixties shapes how large those distributions, and their tax, turn out to be.

A Retirement Can Run Three Decades

A 65 year old woman in the United States has a period life expectancy of roughly 20 more years, and a 65 year old man roughly 18, with many living well beyond that (Social Security Administration, 2022 Period Life Table). A plan that works for 15 years and runs thin at 25 is not a plan.

None of these risks is solved by picking better investments alone. They are solved by sequencing, by coordinating accounts, and by revisiting the numbers as rules and markets change.

How We Build Your Retirement Income Plan

Seven pieces of work, coordinated rather than handled one at a time. Each one changes the others, which is why we build them together.

01

Income Target and Cash Flow

We separate essential expenses from discretionary ones, then set a monthly income target you can live on. Travel, grandchildren, and the projects you have been putting off belong in the budget, not outside it.

02

Social Security Timing

We model claiming at different ages for you and your spouse, including the effect on the survivor benefit, so the decision is made with numbers rather than a rule of thumb. More detail on our Social Security benefits page.

03

Withdrawal Sequencing

Taxable, tax deferred, and tax free accounts are drawn in an order chosen for your tax picture, not alphabetically. The sequence set in your sixties shapes the required distributions that arrive later.

04

Tax Aware Planning

We review your tax exposure year by year and look at whether partial Roth conversions fit your situation, coordinating with your CPA. See our tax planning strategies and Roth conversion information.

05

Annuities and Income Floors

For clients who want part of their essential spending covered by contractual income, we review annuity options, their costs, their limits, and their role beside the rest of the portfolio. More on our annuities page.

06

Portfolio Risk and Allocation

Withdrawals during a falling market do lasting damage, so allocation is set against your withdrawal schedule and your measured risk tolerance. See investment management and risk management.

07

Legacy and Beneficiary Review

Beneficiary designations override wills, and inherited account rules have changed. We review titling and beneficiaries alongside your attorney. See estate planning.

08

Scheduled Reviews

We meet on a set schedule to update the plan against spending, markets, and tax law. An income plan written once and left alone drifts away from the life it was built for.

Why Retirees Work With Ntact

Choosing an advisor is really about deciding whom to trust with the retirement you have spent a lifetime building. Our value comes from experience, transparency, and a standard of care that puts your interests first.

We are an independent Las Vegas firm led by a CERTIFIED FINANCIAL PLANNER™ professional, with a safety-first approach to growing and protecting your retirement income.

Fiduciary Standard of Care
Our advisory recommendations are made in your best interest, designed around your goals rather than product sales.
Fee-Based, With Full Disclosure
As a fee-based Registered Investment Adviser, we tell you how we are compensated so you can decide with complete information.
Rooted in Las Vegas Since 2000
We work from the Desert Shores area of Las Vegas and meet with clients across the valley and, virtually, across the country.
Coordinated, Reviewed Regularly
Income, investments, tax, and Social Security managed together, with regular check-ins to keep your plan on track.

Mahlon Edwards, CFP^®

Founder and Financial Advisor

A CERTIFIED FINANCIAL PLANNER™ professional who founded Ntact Retirement Solutions in Las Vegas in 2000, helping retirees and future retirees build a safety-first retirement income plan around each client's goals, timeline, and comfort with risk.

Areas We Serve

Ntact Retirement Solutions works from the Desert Shores area of Las Vegas, serving retirees and future retirees across the greater Las Vegas valley. Through virtual meetings, we can also work with clients anywhere in the United States.

Las Vegas
Summerlin
Henderson
Green Valley
North Las Vegas
Centennial
Anthem
Aliante
Pahrump
Mesquite

Let Us Put Your Retirement Income Plan on Paper

If you are within a few years of retirement, or already in it and relying on your portfolio for income, a written plan answers the question that keeps people up at night: how much can I take, and will it hold.

We will walk through your income sources, your spending, your tax picture, and your timeline, and show you what a coordinated withdrawal strategy would look like for your household.

Start a Conversation Request a Consultation Prefer to talk now? Call 702-804-4902

2620 Regatta Drive, Suite 102
Las Vegas, NV 89128

Monday through Friday, 8:00 AM to 5:00 PM
Saturday and Sunday by appointment

Frequently Asked Questions

What is retirement income planning?

Retirement income planning is the process of turning the assets you have saved into a dependable stream of money to live on. It covers how much you can withdraw each year, which accounts that money comes from and in what order, when to claim Social Security, how taxes will land each year, and how the plan holds up if markets fall or you live longer than expected. The result is a written strategy that is reviewed and updated, not a one time projection.

How much of my retirement income will Social Security cover?

Less than most people assume. The Social Security Administration reports that benefits replace roughly 40 percent of pre-retirement earnings for a worker with average wages, which means the majority of your income in retirement has to come from savings, investments, pensions, or other sources. Your own replacement rate depends on your earnings history and the age at which you claim, so we model it directly rather than relying on an average.

When should I claim Social Security?

There is no single right age. Claiming before your full retirement age permanently reduces your monthly benefit, and delaying past full retirement age earns delayed retirement credits up to age 70, according to the Social Security Administration. The right choice depends on your health, whether you are still working, your other income sources, and for married couples the effect on the surviving spouse's benefit. We model several claiming ages side by side so the decision rests on your numbers.

When do required minimum distributions begin?

The Internal Revenue Service requires most retirement account owners to begin taking required minimum distributions at age 73. Because the size of those distributions depends on how much is still sitting in tax deferred accounts, the withdrawal decisions you make in your sixties shape the tax bill you face in your seventies. Planning the sequence early gives you more room to manage it.

How do annuities fit into a retirement income plan?

For some households an annuity is used to cover part of their essential monthly expenses with contractual income, so that the investment portfolio carries less of the day to day spending burden. Annuities also carry costs, surrender terms, and limits on access to principal, and their contractual obligations depend on the issuing insurance company. We review whether one fits your situation, what it would cost, and what role it would play beside the rest of your plan, rather than treating it as the answer for everyone.

How often should a retirement income plan be reviewed?

We recommend a formal review at least once a year, and more often in the years right around your retirement date or after a significant change such as a market decline, a health event, an inheritance, or a change in tax law. Spending patterns shift in retirement too, and a plan built on last year's assumptions quietly drifts away from the life it was meant to fund.

Do you work with retirees outside of Las Vegas?

Yes. We serve clients across the Las Vegas valley and Southern Nevada, including Henderson, Green Valley, North Las Vegas, Summerlin, Centennial Hills, Anthem, Aliante, Mesquite, and Pahrump. Advisory services are offered only to clients or prospective clients where the firm and its representatives are properly licensed or exempt from licensure, so reach out and we will confirm whether we can work together.