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Income Retirement Planning 

Participants work hard for their dreams. So do we.

Making the shift from saving for retirement to spending in retirement is a big change. The good news?

Ramos Capital Group has the resources to help make this transition as seamless as possible.

An effective approach to managing income in retirement includes these four steps.

Plan your spending.

Choose your investments.

Tap your income sources.

Update your plan.

Create a financial plan based on your goals, expected spending, and how long you need your money to last

Build a diversified portfolio that takes into account your desired growth, income, risk, and timeline.

Generate a reliable income stream by tapping your entire portfolio in tax-smart ways.

Monitor and adjust your plan and portfolio regularly to help make sure your money lasts, regardless of life or market changes.

 Ramos Capital Group has solutions to address all four steps for you.

Get retirement guidance
from our financial professionals.

Get as much—or as little—help as you'd like from a financial professional—in person or on the phone.

  • Wherever you are in your retirement journey, Schwab financial professionals can help you choose an appropriate level of advice and service based on your goals.

  • They can connect you to specialists when you need help with more complex financial matters such as insurance, taxes, trusts, estates, or fixed income.

  • We'll help you build and monitor your plan using our wide array of tools, from whole-portfolio solutions to separately managed accounts and specialty investment products.  

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An automated retirement income solution that does the work for you.

A simple, modern way to pay yourself in retirement by generating a predictable monthly paycheck from your investments. You’re eligible to enroll when you open a  account.

  • Tell us how much you’ve saved and how long you need it to last.

  • We’ll determine how much you can withdraw each month.

  • We’ll build a diversified portfolio across your accounts, automatically rebalancing it and keeping you on track.

  • We’ll manage making tax-smart withdrawals, including Required Minimum Distributions (RMDs).

Cash Flow Investment Strategies 

Investing For Income:

Cash Flow-Generating Assets For Your Portfolio


Investment strategies and how to generate cash flow while staying invested

Retirement Calculators

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Use this calculator to estimate how much income and savings you may need in retirement.

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Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 73

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

Ramos Capital Group can simplify your Retirement Strategy.

Question? Call us at 

Investment Management  

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