Covenant Wealth Advisors

When can I retire?

It depends on your spending, income sources, and portfolio. At Covenant Wealth Advisors, we build a retirement income plan that stress-tests your numbers against inflation, market downturns, and healthcare costs so you can retire with confidence, not guesswork.

When should I start taking Social Security benefits?

There's no universal right age. We run a claiming strategy analysis that compares every scenario — filing at 62, full retirement age, or 70 — against your tax situation, survivor needs, and other income. The wrong decision can cost a household over $100,000.

Should I do Roth conversions?

Often yes, but timing and amount matter more than people realize. We analyze your tax brackets year by year to find conversion windows that lower your lifetime tax bill, reduce future RMDs, and help you avoid IRMAA surcharges on Medicare premiums.

How can I reduce taxes on my retirement income?

The key is a tax-efficient withdrawal strategy that coordinates which accounts you draw from and when. We sequence pulls across taxable, tax-deferred, and tax-free buckets to keep you in lower brackets and protect against tax surprises from RMDs and capital gains.

What's a safe withdrawal rate for my portfolio?

The old 4% rule is a starting point, not a plan. We use evidence-based investment management and dynamic withdrawal strategies tailored to your actual expenses, portfolio allocation, and sequence-of-returns risk so your money lasts as long as you do.

How much do your retirement planning services cost?

Covenant Wealth Advisors is a fee-only fiduciary — we don't earn commissions or sell products. Our fees are based on assets under management, so our incentives are aligned with yours. We walk through costs transparently in your first strategy session.