Financial Coaching for DIY Investors Approaching or Living in Retirement
Creating Sustainable Retirement Income, Optimizing Social Security, and Reducing Retirement Taxes
Turn Your Retirement Portfolio Into a Resilient Income System
Personalized financial coaching for DIY investors who want to create sustainable retirement income, manage taxes and market risk, and make confident decisions about Social Security, withdrawals, and their investment portfolio.
You stay in control of your money. I help you make better decisions about it.
John Macy, MBA, RICP®
20+ years of consulting experience • 12+ years as a U.S. diplomat • 6+ years of financial coaching
Retirement Planning for DIY Investors
You don't need someone to manage your investments for you. You may simply need an experienced second set of eyes on the decisions that become more complicated in retirement.
I help DIY investors evaluate retirement income, Social Security, taxes, withdrawals, Medicare, and portfolio decisions while keeping control of their own money.
You make the decisions. I help you make them with greater clarity and confidence.
A Retirement Portfolio Should Do More Than Grow
In retirement, your portfolio has a different job. It needs to help fund today's spending while continuing to support tomorrow's needs.
That means thinking beyond investment returns and considering how income, taxes, withdrawals, Social Security, healthcare costs, inflation, and market risk work together.
Income
Create a sustainable stream of retirement income.
Taxes
Coordinate withdrawals and a variety of tax strategies to reduce lifetime tax costs.
Risk
Prepare for market downturns, inflation, longevity, and sequence-of-returns risk.
Growth
Keep enough long-term growth potential to help your portfolio support decades of retirement.
Last updated: October 2026