For Families Nearing Retirement
In the 5 to 10 years around the last paycheck, the questions change: where the monthly income comes from, what it costs in taxes, and how it holds up in a bad market. We build the plan around the three things a retirement plan has to get right.
Nasar and Samee Aboubakare
Father and son. You work with both.
Prefer to text? (949) 259-5240
Still working, often at peak income, with a 401(k) that has become the largest asset in the house.
Living on savings for the first time and wanting a plan for the next 30 years of withdrawals.
Lump sum or monthly payments, survivor elections, and company stock in a 401(k) that needs a decision before anything is rolled over.
Still building at a high income? Healthcare Clinicians · Tech & Equity Compensation
For 30 years the job was to save. Retirement asks for a different skill: turning a set of accounts into a paycheck that lasts, taxed as lightly as the rules allow, without selling into a down market to pay the bills.
Most plans are built around the portfolio. Ours starts with the income: what Social Security and any pension cover, how large the gap is, and how to fund that gap safely before anything else is invested for growth.
Plus the timing decisions that sit underneath them. Use these as questions for any advisor you meet, including us.
Social Security and any pension cover part of your monthly need. The gap is what your savings have to produce. We build a protected floor for it first, so essential bills never depend on selling into a down market.
What you own gets the attention. Where it sits (IRA, Roth or taxable) and the order you draw from each account decide how much of every withdrawal you keep after tax.
Retirement is a 30-year project. We built Sporos father and son so your plan is never handed to a stranger, and someone who knows it is always at the table.
When to claim, how a spouse's benefit fits, which income raises Medicare premiums, and whether to roll a 401(k) over or leave it. Each has a deadline, and each affects the others.
Timing
Illustrative example
A married couple, both 63, have $1.4M saved, mostly in 401(k)s and IRAs. They spend about $120,000 a year. Social Security at full retirement age will cover roughly $60,000 of it, so the gap their savings must fill is about $60,000 a year.
Most of the planning lives in that gap: how much of it to protect first, which accounts to draw from in which years, and how much to convert to Roth while their bracket is low, before required distributions and Medicare premiums push it up.
Hypothetical example for illustration only. Figures are simplified and rounded, and your results will differ. This is general education, not individual tax or investment advice.
Who you'll work with
Every family works with both of us. Nasar spent his early career at a big national firm and left to build an independent fiduciary practice he controlled, one where he could choose and train his own successor instead of having clients reassigned when an advisor retires. Samee is that successor.
Retirement is a 30-year project, and the people who plan it should be there for all of it. Between the two of us, your plan always has someone who knows it.
It starts with a 30-minute conversation. If we're a fit, the second meeting walks you through what we found on your current path and what doing it right would look like for you.
Income planning, withdrawals, tax strategy, Social Security and Medicare timing, and the portfolio, managed together and adjusted every year.
A complete written retirement plan for $3,000, with no assets moved. If you later move to ongoing management, the fee is credited.
How the flat-fee plan worksWe'll tell you on the first call which path fits, including when neither does.
Yes. We meet virtually and work with clients in 15 states: AL, AZ, CA, CO, GA, IL, NJ, NV, NY, OH, OK, OR, PA, TX and WA. Our office is in Huntington Beach if you would rather meet in person.
No. The first call is about where you are and where you want to go. If working together makes sense, we'll say so and explain how. If it doesn't, we'll tell you that too.
Sometimes. It depends on the plan's investment options and costs, whether you hold company stock, your age when you leave, and how you plan to draw income. We look at it case by case, and sometimes the right answer is to leave it where it is.
30 minutes on where you are, when you want to stop, and whether we're the right fit to help you get there.
Prefer to text? (949) 259-5240
