Retirement Planning After 65
Keep Your Plan Working as Hard as You Do
Planning Doesn’t Stop at 65
Even after you’ve retired, your financial plan still needs care and attention. At Branning Wealth Management, we help retirees in Jackson, MS, and Chapel Hill, NC align income sources, spending, and risk so they can enjoy stability and flexibility throughout their retirement years. Financial planning after retirement focuses less on accumulation and more on coordination—making sure your income lasts, your taxes stay manageable, and your assets continue to grow at the right pace.
Coordinating Income, Healthcare, and Legacy in Retirement
Once retirement begins, success means more than just managing investments. We help you synchronize every moving part—income streams, healthcare decisions, and estate plans—so your financial life stays organized, tax-efficient, and aligned with your long-term goals.
Once you’re receiving multiple income streams—Social Security, pensions, required minimum distributions (RMDs), or annuity payments—it’s critical to understand how they interact. We build withdrawal strategies that account for both taxes and Medicare IRMAA thresholds, ensuring you keep more of what you’ve earned. Proper timing of RMDs and benefits can reduce tax drag and help your portfolio stay balanced year to year.
Healthcare often becomes one of the largest expenses after retirement. Our advisors help you review your Medicare coverage annually, explore supplemental plans, and evaluate long-term care options so future medical needs don’t disrupt your financial security. For retirees in Mississippi and North Carolina, understanding how local healthcare systems—from Baptist in Jackson to UNC Health in Chapel Hill—fit into your plan helps keep care accessible and affordable.
A well-designed portfolio after 65 must balance growth, stability, and predictable income. We focus on managing inflation risk without unnecessary volatility, using diversified investments that align with your life expectancy, health outlook, and legacy goals. Whether you prefer to stay local in Madison or spend more time near family in Chapel Hill, your investment strategy should match how you live—not just your risk tolerance.
Your estate plan deserves regular attention too. We coordinate with your attorney to ensure your will, beneficiaries, and power of attorney reflect your current wishes. Charitable giving, Qualified Charitable Distributions (QCDs), and trust strategies can also create meaningful impact while managing taxes efficiently. Whether you’re revisiting an existing estate plan or establishing one for the first time, small updates now can prevent costly mistakes later.
Annual Review Cadence
Retirement success isn’t a one-time event—it’s a process. We meet with clients annually (or more often, as needed) to review income, taxes, and investment performance. Life changes, markets move, and policies evolve; a steady review schedule keeps your plan aligned. With consistent guidance, you can spend less time worrying about finances and more time enjoying the retirement you’ve earned.
Frequently Asked Questions
Do you only work with NFL players?
We serve athletes from all sports, including NFL, NBA, MLB, and other professional leagues. Our strategies are tailored to the unique income structures of each sport.
Why do I need a financial advisor if I already have an agent?
Your agent manages your contract. We manage what happens after—investing your income, planning for taxes, and building a sustainable financial future.
What happens if I’m cut or injured?
We plan conservatively so you remain financially stable even if your career ends unexpectedly. That includes emergency reserves and the right insurance protections.
Can my family be involved in meetings?
Absolutely. We encourage open communication with family members you trust to help them understand your plan and goals.
Do you help with charitable giving?
Yes. We help athletes set up charitable foundations or donor-advised funds to give back to their communities responsibly and tax-efficiently.
Your career may have a time limit, but your financial success doesn’t have to. Branning Wealth Management helps athletes turn professional earnings into lasting wealth, stability, and impact.
Contact our team today to start planning for your financial future—on and off the field.