Retirement Income & Distribution Planning
Integrated Retirement Strategies for Your Financial Wellbeing
Whether retirement is years away or just around the corner, thoughtful planning can help ensure you step into the next chapter of life with confidence and purpose. At Chatterton & Associates, we develop proactive, personalized retirement strategies designed around your goals, lifestyle, and long-term vision — helping you retire on your terms while preserving the opportunities and legacy you’ve worked hard to build.
Retirement is the beginning of a new chapter, one defined by freedom, purpose, and peace of mind. With the right planning in place, it becomes an opportunity to focus on what matters most and live with greater confidence about the future.
Let Us Help You Retire With Purpose
Employer-Sponsored Plan
Review
Is your 401(k), 403(b), TSA, 457, or other employer-sponsored plan aligned with your retirement goals? We provide an objective review to help you understand your options and make informed decisions based on your individual needs.
Asset Allocation for Retirement Planning
We guide your retirement strategy to make sure that your retirement assets are properly allocated to meet your goals and diversified against the unknowns.
A Retirement Plan with Tax Reduction in Mind
We recommend and implement tax strategies that could help reduce your taxes both now and in the future, to preserve your retirement savings.
How we will help you
At Chatterton & Associates, we serve as fiduciaries in the truest sense — placing your best interests at the center of every decision and recommendation. Our CERTIFIED FINANCIAL PLANNER® professionals take a comprehensive, forward-looking approach to retirement planning, integrating cash flow analysis, investment strategy, and proactive tax planning to help preserve and optimize your wealth. As your life evolves, we continue working alongside you, refining strategies and providing ongoing guidance designed to support the lifestyle you envision and the legacy you intend to leave behind.
Please see our disclosure for more information about these certifications.
Meet The Chatterton Team
Kyle Schneider
Financial Planner, CFP®, ChFC®
Rachel Wood
Client Engagement Lead
Eric Oh
Financial Planner, CFP®, ChFC®, ChSNC®
Please see our disclosure for more information about these certifications.
Frequently Asked Questions
When should I start planning for retirement income?
It’s never too early to begin planning for retirement income. Ideally, retirement income planning should start several years before retirement to help ensure your savings, investments, Social Security benefits, and other income sources are aligned with your long-term goals.
When should I begin taking Social Security benefits?
The ideal time to claim Social Security varies based on your financial situation, health, retirement goals, and other income sources. Evaluating your options can help maximize the lifetime value of your benefits. Our professionals can help you! Just give us a call at 714-572-2050 or fill out our online form!
How are retirement withdrawals taxed?
Taxes on retirement withdrawals depend on the types of accounts you own and where your retirement income comes from. Withdrawals from traditional IRAs and 401(k)s are generally taxed as ordinary income, while qualified withdrawals from Roth IRAs are typically tax-free. Investment accounts may also be subject to capital gains taxes. A strategic withdrawal plan can help determine which accounts to draw from and when, potentially reducing your overall tax burden and helping your retirement savings last longer.
What is retirement income distribution planning?
Retirement income distribution planning is the process of creating a strategy for turning your retirement savings into a reliable source of income. This involves determining when and how to withdraw funds from retirement accounts, investment portfolios, Social Security benefits, pensions, and other income sources. A well-designed distribution plan considers factors such as taxes, required minimum distributions (RMDs), market volatility, inflation, and life expectancy to help support your income needs throughout retirement.
Can Chatterton & Associates help create a personalized retirement income strategy?
Definitely! Our CERTIFIED FINANCIAL PLANNER® professionals work closely with clients to develop customized retirement income and distribution strategies tailored to their unique goals, lifestyle, and financial needs. By coordinating investments, tax planning, Social Security benefits, and other income sources, our team helps create a comprehensive plan designed to support long-term financial confidence. Schedule a consultation by calling us at 714-572-2050 or fill out our contact form to learn how a personalized retirement income strategy can help you make the most of your retirement years.
Work with Us to Plan Your Ideal Retirement
Meet with our team to begin a conversation about your goals and explore a personalized strategy designed around your future, your family, and the legacy you want to leave behind.
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