Retirement Planning for Married Couples
Build a Couples Retirement Plan You Both Understand
Sentinel Asset Management helps married couples turn savings into a coordinated income, tax and legacy plan. Talk with an advisor about your next chapter.
- One plan that covers both of your accounts and goals
- Withdrawal order set across taxable, tax-deferred and tax-free
- Free retirement income courses in Maryland and Connecticut
2,000+ clients guided into retirement. 100+ years of combined advisory experience.
Prefer to talk? Call 203-793-0707
Talk with a retirement advisor
Tell us about you and your spouse. We will reach out to set up a no-obligation conversation.
Why couples work with Sentinel
One plan for two people
We look at both of your accounts, pensions and Social Security choices as a single picture, not two separate piles.
Income you can plan around
Structured withdrawal buckets are designed to pursue steady cash flow while longer-term money stays invested for growth.
Tax-aware withdrawals
We map which account to draw from each year, plus Roth conversions, tax-loss harvesting and charitable giving options.
Plans stress-tested
Each plan is stress-tested against past bear markets, recessions and inflationary periods so you can see how it may flex.
Estate and beneficiary review
We review titling, beneficiary forms, wills and trusts for consistency, and work with your estate attorney when needed.
Offices near you
Five offices across the U.S., with advisors serving families in Maryland, Connecticut and along the East Coast.
What a couples retirement plan covers
Married couples rarely retire on the same day, with the same accounts, or with the same view of risk. A plan built for one spouse can leave the other exposed. We build one coordinated plan that reflects both of your income needs, tax situations, health considerations and family priorities.
Your portfolio is built from globally diversified model portfolios rooted in modern portfolio theory and guided by a written Investment Policy Statement. We review it as your life changes, so the plan keeps matching the two of you.
- Income distribution planning across taxable, tax-deferred and tax-free accounts
- Structured withdrawal buckets for near-term cash flow and longer-term growth
- Sequence-of-returns and longevity risk planning using the PRIME risk framework
- Roth conversions, tax-loss harvesting and withdrawal sequencing
- Qualified Charitable Distributions and tax-efficient gifting strategies
- Account titling and beneficiary designation review for both spouses
- Wills and trusts reviewed alongside your estate attorney
- Legacy planning, including staged inheritance structures for heirs
- Special needs planning for families who need lifelong support
How it works
Send your details
Fill in the short form with your ZIP code and when you plan to retire. There is no cost and no obligation.
Talk it through
An advisor listens to both of your goals, income needs, accounts and concerns about taxes and market swings.
See your plan options
We walk you through a coordinated income, tax and estate approach, and you decide if you want to move ahead.
Frequently asked questions
Do both spouses need to join the meeting?
It helps. A couples retirement plan covers both of your accounts, income needs and beneficiary choices, so we prefer to hear from both of you. One of you can start the conversation.
What does it cost to talk with an advisor?
The first conversation carries no obligation. Ongoing planning and asset management fees depend on your situation, and we explain them clearly before you decide anything.
Where do you work with clients?
We serve clients in Connecticut, Maryland, Florida, Massachusetts, Maine, North Carolina, New Jersey, Pennsylvania and Rhode Island, from five offices across the U.S.
What is the free retirement income course?
It is a complimentary, no-obligation academic course on the foundations of a sound retirement, held at universities and community centers in Maryland and Connecticut. It is educational only, with about 12 spaces per session.
Do you write our wills and trusts?
No. We are not attorneys. We focus on the parts of estate planning that do not require a lawyer, such as titling, beneficiaries and ownership structures, and we coordinate with your estate attorney for documents.
Can you help if one spouse has different risk tolerance?
Yes. Portfolios are built from model portfolios based on your goals, income needs, tax situation and tolerance for risk, so we can balance two different comfort levels in one plan.
Start your couples retirement plan
Tell us where you and your spouse stand today. An advisor will reach out for a no-obligation conversation about income, taxes and what you want to leave behind.
- One plan that covers both of your accounts and goals
- Withdrawal order set across taxable, tax-deferred and tax-free
- Free retirement income courses in Maryland and Connecticut
Prefer to talk? Call 203-793-0707