Turn your portfolio into the income you've earned the right to enjoy
You've spent decades building your wealth. Now it's time for it to work for you — funding the travel, the family moments, the freedom you imagined. We build income plans designed around your life, not a formula.
Three fears that keep retirees up at night
Most income planning failures come from the same root causes. We address all three directly.
"What if I run out of money in my 80s?"
We model longevity scenarios to 95+ and stress-test against market downturns in your early retirement years, when sequence-of-returns risk is highest.
"I'm afraid to touch my portfolio."
A properly structured income plan gives you permission to spend — with clear guardrails to stay on track. Many retirees live too frugally out of fear.
"I'm paying too much in taxes on my distributions."
The order in which you draw from accounts dramatically affects your lifetime tax bill. Most retirees default to the worst sequence. We design for the best one.
Six sources of portfolio income — layered intelligently
Sustainable portfolio income is a layered architecture of complementary sources with different risk profiles, tax treatment, and timing.
Dividend Stocks
Quality dividend-payers with consistent growth — the backbone of most equity income strategies.
Fixed Income / Bonds
Investment-grade corporates, munis, and treasuries providing stability and predictability.
Covered Call Writing
Generate income on existing equity positions through systematic option selling.
Real Estate (REITs)
Broad real estate exposure without direct ownership — dividend income plus inflation protection.
Alternative Income
Private credit, infrastructure, and other non-correlated income sources for eligible investors.
Social Security Optimization
Timing and sequencing Social Security benefits can add six figures to lifetime income.
The three-bucket income strategy
We organize your assets into three buckets — each serving a specific purpose in your income architecture.
2–3 years of living expenses
Cash and short-term instruments. Never touches markets. Ensures you can live comfortably even through a prolonged downturn.
3–10 years of needs
Bonds, dividends, and conservative income assets. Continuously refills Bucket 1. The workhorse of your retirement income engine.
Long-term wealth & legacy
Equities and alternatives with a 10+ year horizon. Grows to refill Bucket 2 over time and fund your legacy goals.
Illustrative scenarios only. Actual results depend on market conditions, tax situation, and individual circumstances.
What we'll explore together
Our initial income analysis conversation is designed to understand your complete financial picture — not just your portfolio balance.
What monthly income do you actually need to maintain your lifestyle — and what would make it exceptional?
Do you have a written strategy for the order in which you'll draw from your taxable, IRA, and Roth accounts?
If markets dropped 30% in Year 2 of retirement, would you need to reduce spending — or do you have a buffer?
Have you modeled your income strategy against both 85 and 95 year lifespans?
What legacy do you want to leave — and is your current withdrawal rate consistent with that goal?
Request My Income Analysis
A 45-minute conversation to model your income potential and design a plan around your lifestyle, not a generic formula.
Client-first advisors only. Your information is never shared or sold.
From accumulating wealth
to living from it
My experience with SteelPeak has been nothing short of fantastic. I retired at 62 not knowing if my money would last. They showed me exactly how to draw it down, what to take from where, and how to handle healthcare until Medicare. I feel completely at ease.
Our run with SteelPeak has been life changing. We had more than enough but I was still anxious about spending it. The three-bucket strategy they built for us gave me the confidence to actually enjoy our retirement. First cruise in 30 years last October.
Your wealth should be working for your life.
Let's make sure it is.
Request a complimentary income analysis with a SteelPeak advisor — built around your lifestyle, not a generic formula.
Request My Income Analysis