---
title: Retirement Income Planning|Mark Zaifman|North Bay Financial Planner|Sonoma County
description: Mark Zaifman of Spiritus Financial is a North Bay area financial planner specializing in retirement goal setting and retirement income planning strategies.
---

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# Retirement Income Planning

## Retirement Income Planning

After a lifetime of working, saving and investing for your retirement, you want this major life transition to be a success. Your financial focus up until this point has been on accumulation – and now the income distribution phase of your retirement planning begins.

At Spiritus we combine our retirement planning knowledge and strong tax planning background to develop a customized retirement income strategy that is tax savvy. By understanding and utilizing the tax code to your advantage, we have the ability to consistently **add value to our client’s investment portfolios **by using tax efficient withdrawals in retirement.

We utilize a **seven step retirement income planning strategy** that helps you balance risks with the need for inflation-adjusted income that will last throughout your retirement. Your retirement income plan will be dynamic and will flow with the actual contours of your life - not the other way around.

#### **![spiritus-leaf-water.png](https://www.spiritusfinancial.com/hs-fs/hubfs/Spiritusfinancial-2016/Image/spiritus-leaf-water.png?width=390&height=390&name=spiritus-leaf-water.png)Retirement Planning Steps **

Seven main steps to ensure your secure retirement are:

- Retirement goal setting
- Assessing current financial position
- Identifying retirement income sources
- Evaluating retirement risks using [**Monte Carlo Analysis**](https://www.spiritusfinancial.com/monte-carlo/)
- Understanding healthcare issues
- [**Investing**](https://www.spiritusfinancial.com/investment-management/) retirement assets
- Managing retirement income

 

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