401(k) Exit Analysis
We evaluate whether it makes sense to keep your employer plan, roll it to an IRA, start withdrawals, or use a combination of strategies.
401(k) Exit & Retirement Paycheck Planning
You’re done working. Now your 401(k) needs to become a paycheck.
We help retirees and soon-to-be retirees evaluate old employer plans, create a tax-aware withdrawal strategy, keep money invested appropriately, and coordinate the moving pieces of retirement through one fiduciary point of contact.
CFP® professional
Fee-only fiduciary
Tax-aware planning
The real retirement problem
A 401(k) is not a retirement plan by itself.
Once the paychecks stop, every decision connects: investments, withdrawals, taxes, Social Security, Medicare premiums, emergency cash, and required minimum distributions. We help turn those moving parts into one clear income plan.
What we do
The Retirement Paycheck Plan
A focused advisory service for people leaving work, recently retired, or trying to clean up scattered retirement accounts.
Retirement Income Strategy
We build a monthly paycheck plan using IRA, 401(k), taxable accounts, pensions, Social Security, and cash reserves.
Tax-Aware Withdrawals
We help decide which account to use first, how much to withhold, and whether Roth conversions could help during lower-income years.
Investment Management
Your portfolio should still pursue growth, but the allocation must now support income, risk management, and near-term withdrawals.
Social Security & Medicare Timing
We coordinate claiming decisions, Medicare timing, IRMAA awareness, and the tax impact of retirement income.
One Point of Contact
Retirement decisions should not feel like four disconnected conversations. We coordinate investments, tax planning, and income decisions in one place.
Before
Common retirement transition headaches
- Multiple accounts with no income strategy
- Unclear 401(k) rollover decision
- Investments built for accumulation, not withdrawals
- Tax withholding guessed at the last minute
- Roth conversion opportunities missed
- Social Security and Medicare decisions made in isolation
After
A coordinated retirement paycheck plan
- Know what to do with your old employer plan
- Receive a clear monthly withdrawal roadmap
- Keep the portfolio invested with a defined income reserve
- Coordinate tax withholding and estimated taxes
- Review Roth conversions and RMD exposure
- Make retirement decisions through one fiduciary advisor
Our process
Clear steps from your last paycheck to your retirement paycheck.
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1
Organize the accounts
We review your 401(k), IRA, taxable accounts, pension options, Social Security estimate, cash needs, and tax picture.
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2
Evaluate your 401(k) options
We compare keeping assets in the plan, rolling to an IRA, partial rollovers, withdrawal flexibility, investment options, fees, creditor protection considerations, and service needs.
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3
Build the income plan
We map monthly withdrawals, cash reserves, tax withholding, account order, and portfolio allocation around your spending needs.
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4
Coordinate taxes and timing
We look for planning windows around Roth conversions, capital gains, Social Security taxation, Medicare premium thresholds, and future RMDs.
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5
Review and adjust
Retirement is not static. We review withdrawals, market changes, tax law changes, spending needs, and life events over time.
Who this is for
Best fit households
This niche is intentionally specific. We are best suited for people who need retirement income, investment, and tax coordination — not just a product recommendation.
Good fit
- Retiring now or within the next 12 months
- Recently left an employer with a 401(k), 403(b), TSP, or pension
- Roughly $500k+ in investable retirement assets
- Need help with income, taxes, Social Security, Medicare, and investments
- Prefer a fiduciary advisor over a call-center experience
Probably not the right fit
- You only want a stock tip or market prediction
- You are looking for commission-based product sales
- You want to move money without first comparing your options
- You do not want ongoing coordination or planning support
Why True Fiduciary
Independent advice for one of the biggest financial transitions of your life.
True Fiduciary Financial Advisors is an independent Registered Investment Adviser with a business address in Tempe, Arizona. We provide fiduciary financial planning, investment management, and tax-aware retirement planning for households that want a single advisor coordinating the retirement transition.
Registered in Arizona. Advisory availability in other states may depend on registration requirements, applicable exemptions, and the firm’s current regulatory status.
Questions retirees ask
401(k) rollover and retirement income FAQ
Not automatically. We compare your plan’s investment choices, fees, withdrawal rules, service model, creditor protection considerations, tax planning opportunities, and your need for ongoing advice before making a recommendation.
That depends on your portfolio size, spending, age, tax situation, Social Security timing, pension income, risk tolerance, and cash reserves. We turn those inputs into a monthly income plan that can be reviewed over time.
Yes. The focus is tax-aware retirement planning: withdrawal order, withholding, Roth conversion analysis, Social Security taxation, RMD planning, and Medicare premium awareness. Tax preparation may be offered separately when appropriate.
Not necessarily. The firm is registered in Arizona. Availability for households outside Arizona depends on state registration requirements, applicable exemptions, and the firm’s current regulatory status.
It means recommendations are made with your interests in mind, including whether a rollover, investment change, or withdrawal strategy is appropriate for your specific facts.
Start with clarity
Before you move your 401(k), know the plan.
Schedule a short intro call to discuss your retirement date, account structure, income need, and tax concerns.
Contact
Ready to turn retirement savings into a retirement paycheck?
Call, email, or schedule directly through Calendly to start a conversation. Please do not send account numbers, Social Security numbers, or other sensitive personal information through email or the scheduling page.
True Fiduciary Financial Advisors
2239 W Baseline Rd, Tempe, AZ 85283
602-301-0172
info@tffadvisors.com
Serving Arizona households and eligible remote households where permitted.
Schedule an intro call
Choose a time directly on the True Fiduciary Financial Advisors calendar.
Calendly will collect the appointment details and send the calendar confirmation. Please do not include account numbers, Social Security numbers, or other sensitive personal information in the scheduling notes.