What Is Distribution Planning?
Distribution planning—sometimes called retirement income planning—is the process of turning your savings, investments, and retirement accounts into a predictable income stream that supports your lifestyle throughout retirement.
It’s not just about withdrawals. It’s about how and when you draw from different accounts to minimize taxes, protect principal, and make your income last as long as you do.
Our Boise fiduciary advisors create personalized distribution strategies that coordinate Social Security, pensions, IRAs, 401(k)s, and taxable accounts to deliver steady income while protecting against inflation, volatility, and longevity risk.
Why Distribution Planning Matters
Many retirees underestimate how complex income distribution can be. Withdraw too much, and you risk running out of money. Withdraw too little, and you might pay unnecessary taxes or sacrifice lifestyle flexibility.
The right strategy helps you:
- Maintain a sustainable, inflation-adjusted income.
- Reduce taxes through smart withdrawal sequencing.
- Protect assets from market downturns.
- Leave a legacy for loved ones or charitable causes.
- Gain confidence knowing your money will last.
At OnePoint BFG, we bring clarity and structure to this critical stage of your financial life.
Our Distribution Planning Process
-
Income Mapping
We start by assessing your income needs, expected expenses, and lifestyle goals. Then we identify your available sources—Social Security, pensions, investment income, annuities, and cash reserves.
-
Withdrawal Strategy Design
We develop a personalized withdrawal plan that considers tax brackets, RMDs (required minimum distributions), and account sequencing. This ensures you draw from the right places, at the right times.
-
Tax Efficiency Optimization
Taxes can erode retirement income faster than market volatility. We coordinate with your CPA to implement Roth conversions, strategic withdrawals, and charitable gifting plans that reduce lifetime tax exposure.
-
Risk and Market Alignment
We balance your income needs with investment strategy, helping you maintain enough growth to outpace inflation while limiting downside risk.
-
Ongoing Monitoring and Adjustments
We review your income plan annually (or more often as needed) to reflect changes in tax law, markets, or your personal circumstances.
Boise Distribution Planning Strategies We Implement
-
Bucket Strategy for Income Stability
Separate funds into short-, medium-, and long-term “buckets” to manage risk and ensure consistent cash flow.
-
Smart Withdrawal Sequencing
Determine the most tax-efficient order to withdraw from taxable, tax-deferred, and tax-free accounts.
-
Roth Conversion Planning
Convert portions of traditional IRAs to Roth accounts in low-tax years for future tax-free withdrawals.
-
Required Minimum Distribution (RMD) Management
Help you meet IRS requirements while keeping your distributions aligned with your overall goals.
-
Social Security and Pension Optimization
Coordinate benefit timing with your other income sources to maximize lifetime value.
-
Legacy and Charitable Planning
Integrate giving strategies, trusts, and beneficiary planning to preserve wealth and values for the next generation.
Who We Serve
We work with Boise retirees, near-retirees, and business owners who want clarity, confidence, and structure in their income strategy. Whether you’re planning to retire in Idaho or transitioning from full-time work to part-time or consulting, our fiduciary advisors help you make the most of what you’ve built.
Why Work With Sean McCarthy and the Boise Team
-
Fiduciary Commitment: Always acting in your best interest, free from commissions or product incentives.
-
Local Expertise, Personal Connection: Based in Boise, serving clients across Idaho (and nationwide) with deep community roots and national-level expertise.
-
Holistic Coordination: We integrate investment management, tax strategy, and estate planning into one seamless plan.
-
Experience You Can Trust: Sean McCarthy’s credentials (CFP®, ChFC®, RICP®) reflect decades of experience in retirement income and distribution strategy.
Frequently Asked Questions (FAQs)
Distribution Planning in Boise, ID
Transitioning from saving for retirement to living in retirement is one of the biggest financial shifts you’ll ever make. At OnePoint BFG Wealth Partners, we help you turn your lifetime of savings into reliable income—without unnecessary taxes, anxiety, or guesswork.
Led by Sean McCarthy, CFP®, ChFC®, RICP®, our Boise-based team specializes in retirement income and distribution planning for professionals, business owners, and families who want to retire confidently and sustainably.
What Is Distribution Planning?
Distribution planning—sometimes called retirement income planning—is the process of turning your savings, investments, and retirement accounts into a predictable income stream that supports your lifestyle throughout retirement.
It’s not just about withdrawals. It’s about how and when you draw from different accounts to minimize taxes, protect principal, and make your income last as long as you do.
Our Boise fiduciary advisors create personalized distribution strategies that coordinate Social Security, pensions, IRAs, 401(k)s, and taxable accounts to deliver steady income while protecting against inflation, volatility, and longevity risk.
Why Distribution Planning Matters
Many retirees underestimate how complex income distribution can be. Withdraw too much, and you risk running out of money. Withdraw too little, and you might pay unnecessary taxes or sacrifice lifestyle flexibility.
The right strategy helps you:
At OnePoint BFG, we bring clarity and structure to this critical stage of your financial life.
Our Distribution Planning Process
Income Mapping
We start by assessing your income needs, expected expenses, and lifestyle goals. Then we identify your available sources—Social Security, pensions, investment income, annuities, and cash reserves.
Withdrawal Strategy Design
We develop a personalized withdrawal plan that considers tax brackets, RMDs (required minimum distributions), and account sequencing. This ensures you draw from the right places, at the right times.
Tax Efficiency Optimization
Taxes can erode retirement income faster than market volatility. We coordinate with your CPA to implement Roth conversions, strategic withdrawals, and charitable gifting plans that reduce lifetime tax exposure.
Risk and Market Alignment
We balance your income needs with investment strategy, helping you maintain enough growth to outpace inflation while limiting downside risk.
Ongoing Monitoring and Adjustments
We review your income plan annually (or more often as needed) to reflect changes in tax law, markets, or your personal circumstances.
Boise Distribution Planning Strategies We Implement
Bucket Strategy for Income Stability
Separate funds into short-, medium-, and long-term “buckets” to manage risk and ensure consistent cash flow.
Smart Withdrawal Sequencing
Determine the most tax-efficient order to withdraw from taxable, tax-deferred, and tax-free accounts.
Roth Conversion Planning
Convert portions of traditional IRAs to Roth accounts in low-tax years for future tax-free withdrawals.
Required Minimum Distribution (RMD) Management
Help you meet IRS requirements while keeping your distributions aligned with your overall goals.
Social Security and Pension Optimization
Coordinate benefit timing with your other income sources to maximize lifetime value.
Legacy and Charitable Planning
Integrate giving strategies, trusts, and beneficiary planning to preserve wealth and values for the next generation.
Who We Serve
We work with Boise retirees, near-retirees, and business owners who want clarity, confidence, and structure in their income strategy. Whether you’re planning to retire in Idaho or transitioning from full-time work to part-time or consulting, our fiduciary advisors help you make the most of what you’ve built.
Why Work With Sean McCarthy and the Boise Team
Fiduciary Commitment: Always acting in your best interest, free from commissions or product incentives.
Local Expertise, Personal Connection: Based in Boise, serving clients across Idaho (and nationwide) with deep community roots and national-level expertise.
Holistic Coordination: We integrate investment management, tax strategy, and estate planning into one seamless plan.
Experience You Can Trust: Sean McCarthy’s credentials (CFP®, ChFC®, RICP®) reflect decades of experience in retirement income and distribution strategy.
Frequently Asked Questions (FAQs)
Accumulation is about saving and growing assets; distribution is about using those assets wisely. After you retire, the focus shifts from earning returns to creating sustainable, tax-efficient income.
Taxes can vary dramatically depending on which accounts you draw from first. We design your withdrawal sequence to reduce lifetime taxes and avoid sudden bracket jumps.
Ideally, you should start distribution planning five to ten years before retirement. That window allows time for Roth conversions, tax diversification, and optimizing Social Security timing. But it’s never too late to start.
A sustainable withdrawal rate, diversified portfolio, and ongoing monitoring are key to avoiding running out of money in retirement. Our Boise team stress-tests your plan under different market scenarios to help ensure your income lasts.
Yes. We work closely with your professional team to ensure your tax, estate, and income strategies are fully aligned.
No! Many near-retirees and business owners in Boise benefit from planning early—especially when transitioning from full-time work or selling a business.
Investment advisory and financial planning services offered through Bleakley Financial Group, LLC, an SEC registered investment adviser, doing business as OnePoint BFG Wealth Partners (herein referred to as “OnePoint BFG”).
The information contained herein is provided for informational and discussion purposes only and is not, and may not be relied on, in any manner, as legal, tax, accounting or regulatory advice nor does this constitute an offer to sell or a solicitation of an offer to buy any securities and may not be used or relied upon in connection with any offer or sale of securities. The information, as set forth herein, should not be construed or interpreted as OnePoint BFG’s guarantee of any particular investment outcome or a guarantee of future investment returns or results.