Creating a retirement income that lasts is more about planning than investment management. And much of the best planning is not the common wisdom, even in the financial planning world.The advice a lot of people get is to put as much as possible into 401(k)s and other tax-deferred accounts, then focus on investments. But this approach misses some of the biggest planning issues for retirement. It can even set them up for a Required Minimum Distribution tax timebomb.Taxes will probably be your biggest expense in retirement. And it is a bigger issue than taxes during your working life. Failure to manage taxes can cause you to have to draw significantly more from your retirement savings, causing you to deplete your nest egg much more quickly.Managing retirement taxes begins long before retirement. Take advantage of historically low tax rates now to set yourself up for a low tax retirement.Manage investment expenses. Optimize Social Security. Break down retirement goals into categories so you can be responsive to changes without compromising your retirement security or lifestyle.That’s comprehensive retirement planning.I have been a Certified Financial Planner (CFP®) practitioner for over 30 years. I can help you put your retirement plan together. You can pay me to manage assets or by hourly fees, whatever works for you.I am also the creator of the Field of Vision Financial Planning™ system, a coaching program for millennials who don’t have a lot of wealth yet and want to develop the skills to make good financial decisions and navigate managing their money.When I’m not creating retirement plans or coaching clients, I’m probably cooking a new recipe, dancing West Coast swing (if it’s not a pandemic), or out on my bicycle – I did my first century ride last year.Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC to residents of AL, AR,AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KY, MA, MD, ME, MI, MN, MO, MT, NC, ND, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VT, WA & VA.. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Focused Wealth Advisors and Cambridge are not affiliated.Content provided via links to third party sites should not be considered an endorsement of third party content. We make no representation as to the completeness or accuracy of information provided at these websites.