Question 1

Who is Westcliff for?

Accepted Answer

People roughly a decade either side of retirement — getting ready to stop working, or recently stopped, who want a real plan for turning their savings into income. If retirement is twenty years off, we are probably not the right fit yet.

Question 2

Is there a minimum?

Accepted Answer

Most of our clients have between $500,000 and $3 million saved, but the real requirement is being near the transition and wanting a plan for it. If you are close to retirement, start the conversation and we will be honest about fit.

Question 3

How are you compensated?

Accepted Answer

We are fee-only. You pay us directly — a transparent annual fee, disclosed in full in our Form ADV. We earn no commissions, sell no products, and take no referral fees, so there is nothing steering the advice but your plan.

Question 4

When should I start?

Accepted Answer

Ideally three to five years before you retire. The years between leaving work and required distributions are where the most valuable tax planning lives — Roth conversions, the Social Security decision, managing the brackets. Start late and that window narrows.

Question 5

Do you manage investments too?

Accepted Answer

Yes — but in service of the income plan, not as the headline. The portfolio is built to fund decades of withdrawals: steady enough to survive a bad first year of retirement, growing enough to outlast inflation.

Question 6

What about Social Security and Medicare?

Accepted Answer

Both are central, not afterthoughts. Claiming strategy and the Medicare decision are two of the largest choices in the plan, and we work through them with you rather than handing you a brochure.

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