Built for the transition.

I spent most of my career watching capable savers arrive at retirement with a healthy balance and no plan for turning it into a paycheck. The industry is good at helping people accumulate. It is far less practiced at the harder question that comes next: how do you actually live off this, for thirty years, through markets and taxes and health and time? Westcliff exists for that question. We work with people roughly a decade either side of retirement — building the income, sequencing the withdrawals, timing Social Security, and planning the taxes and healthcare around all of it. The work is unglamorous and it is the whole game. I am in every plan.