Can I Afford to Retire?
How Do I Keep More of What I Have Saved?
Is My Money Invested the Right Way?
After decades of saving, the hardest question is whether your money will actually last. We build a retirement income plan that turns your accounts, pensions, and Social Security into a clear monthly paycheck. You'll know exactly what you can safely spend, even when the market doesn't cooperate. No more guessing.
Is My Money Invested the Right Way?
How Do I Keep More of What I Have Saved?
Is My Money Invested the Right Way?
You shouldn't need a finance degree to understand your own portfolio. We build straightforward, low-cost portfolios that match where you are in life and explain exactly what we're doing and why. No black boxes, no chasing trends, no products you'll regret in five years.
How Do I Keep More of What I Have Saved?
How Do I Keep More of What I Have Saved?
How Do I Keep More of What I Have Saved?
Taxes in retirement is one of the biggest, most overlooked expenses individuals face in retirement. We use strategies like Roth conversions, tax-efficient withdrawals, and charitable giving to lower your lifetime tax bill.
Case Studies
The Navigators
Jack and Diane are hardworking Hoosiers who did everything right. They saved consistently for decades, raised a family, and are now looking ahead to the next chapter. They weren't looking for someone to overcomplicate their finances. They wanted someone to help them make sense of it all.
The Snapshot
Jack (61) works at a local manufacturing plant where he's put in 30+ years. He has a pension, a 401(k), and some old IRAs from previous jobs he'd nearly forgotten about.
Diane (59) is a teacher at the local high school with INPRS pension benefits, a 403(b), and a small Roth IRA she started years ago after reading about it in a magazine.
Together, they have about $650,000 in investable assets—scattered across seven different accounts with three different companies.
What They Were Feeling
When Jack and Diane sat down with us for the first time, they were tired. Not of working—they both still enjoy what they do. They were tired of wondering.
"Can we actually afford to retire in 3-4 years?" "What happens to our income if the market tanks right when we retire?" "How do we turn all these different accounts into a paycheck?" "Are we taking too much risk? Not enough?"
Sound familiar? You're not alone.
What We Did Together
1. Simplified Their Financial Picture
We consolidated their seven accounts down to three—a Traditional IRA for Jack, a Traditional IRA for Diane, and Diane's Roth IRA. Fewer logins, fewer statements, and a lot less confusion.
2. Created a Tax-Smart Retirement Income Plan
We mapped out exactly how their income will flow in retirement—coordinating Jack's pension, Diane's INPRS benefits, portfolio withdrawals, and Social Security into one clear picture that aligned with their goals. We also identified which accounts to draw from and when, so they're not paying more in taxes than they need to.
3. Aligned Their Investments
Here's what keeps most retirees up at night: What if the market crashes right after I retire?
We addressed this by setting aside several years of expected expenses in cash and high-quality bonds. This buffer means they won't be forced to sell stocks at the worst possible time if markets get rocky early in retirement.
The rest of their portfolio stays invested in a globally diversified mix of stocks—positioned for long-term growth to power their income for decades to come.
Jack's old 401(k) was sitting in a target-date fund that was far too conservative for their 30+ year retirement horizon. Diane's 403(b) had high-fee funds eating into her returns. We moved everything into low-cost, globally diversified portfolios designed for where they're going—not where they've been.
The Result
Jack and Diane now know exactly where they stand. They have a clear plan that shows:
- They can comfortably retire in 3 years if they want—or work a bit longer for extra cushion.
- Their retirement income goal is achievable and sustainable.
- They have a buffer that protects them from market volatility. And their investments are finally working together instead of scattered everywhere.
"We finally feel like we have a plan. For the first time in years, we're actually excited about retirement instead of anxious about it." — Jack & Diane
Note: The above case studies are hypothetical & does not involve an actual True North Wealth client. No portion of the content should be construed by a client or prospective client as a guarantee that he/she will experience the same or certain level of results or satisfaction if True North Wealth is engaged to provide investment advisory services.
Contact Us
Here To Serve You
12703 State Rd. 32 Suite 100 , Parker City, Indiana 47368
If you aren't located in East Central Indiana, that's okay! We serve clients virtually throughout the US. phone: 765-896-4480 email: grant@wealthtruenorth.com
Grant Evans Wealth Management, L.L.C. DBA True North Wealth is listed with the State of Indiana as a Registered Investment Advisor. The firm will not solicit or accept business in any state in which it is not properly registered or qualified to conduct business by virtue of a state “de minimus” exemption. The purpose of this website is limited to the dissemination of general information regarding the services offered by Grant Wealth Management, L.L.C. DBA True North Wealth and does not provide investment advice. This site is not intended to be a solicitation or offer to sell investment advisory services to residents of any state in which Grant Evans Wealth Management L.L.C. DBA True North Wealth is not currently authorized to do so. Full Disclosures