Retirement & Income Planning for Your Whole Financial Life
A coordinated planning team for every chapter ahead
Everyone has goals for the future—retiring comfortably, helping kids or grandkids, giving generously, or simply feeling less stressed about money—but reaching them takes more than isolated decisions. ModeWealth offers retirement and income planning that connects your savings, tax picture, and everyday money choices into one clear, actionable plan, supported by a team based in Salem and serving clients across Oregon.
Retirement & Income Planning That Starts With You
Clarity and structure for real-world goals
Retirement and income planning can feel overwhelming, especially when you’re not sure where to start or which question to ask first. We begin by understanding your full picture—family, work, business interests, current accounts, and long-term hopes—before offering any guidance. From there, we build a coordinated plan that integrates retirement income, tax-aware strategies, and day-to-day money decisions so you know exactly what to focus on next. The goal is a roadmap you can understand, update, and actually use.
Personal Retirement & Income Planning
A coordinated plan for your everyday and long-term decisions
Personal retirement and income planning at ModeWealth is about turning scattered accounts and ideas into a single, coherent strategy. We help you prioritize goals like paying down debt, building reserves, funding education, and structuring income for the future, while keeping an eye on tax efficiency and risk. Your plan becomes a living roadmap, updated over time as life changes and new opportunities or responsibilities arise.
Estate & Legacy Planning
Protecting what you’ve built and passing it on with intention
Estate and legacy planning is about more than documents—it’s about making sure what you’ve built supports the people and causes you care about. We work alongside your attorney and other professionals to coordinate beneficiary designations, account titling, charitable giving strategies, and potential estate tax considerations. With a structured plan in place, your retirement and legacy strategy can better reflect both your financial objectives and your personal values for the next generation.
Retirement & Income Planning FAQs
Answers to common questions about planning with ModeWealth
What does a retirement and income planner help with?
A retirement and income planner helps you understand where you stand today and how to turn your savings and resources into a sustainable plan for the future. That can include clarifying retirement timing, organizing accounts, prioritizing goals, and outlining how money will flow in and out over time. At ModeWealth, we also look at how taxes, healthcare costs, and legacy wishes fit into that picture. The result is a coordinated plan you can refer to when making everyday and long-term decisions.
Do I need a retirement and income plan before I stop working?
Having a plan in place before you retire can make the transition feel more confident and less stressful. It allows you to test different retirement ages, income levels, and “what if” scenarios while there’s still time to adjust savings, spending, or timing. Even if you’re only a few years away, a focused review can highlight gaps and opportunities you might otherwise miss. If you’re already retired, it’s still valuable to build or refine a plan so you can make more informed choices going forward.
How is ModeWealth different from other planning firms?
ModeWealth focuses on connecting retirement and income planning with tax-aware strategies and real-life responsibilities like family support, caregiving, or business ownership. Rather than looking at one account or decision in isolation, we work to show you how the pieces fit together in a single 360° view. Our Mode360 process, educational classes, and coordination with other professionals are all designed to give you clarity, not complexity. You get a planning relationship that’s built around your whole life, not just one part of it.
How often should I review or update my retirement plan?
Most people benefit from reviewing their retirement and income plan at least once a year, or sooner if there’s a major change—such as a job shift, move, inheritance, business sale, or significant health event. Regular reviews help you adjust for market changes, tax law updates, and evolving goals. At ModeWealth, we treat your plan as a living document, revisiting key assumptions and making adjustments so it stays aligned with your current reality and future priorities.
Can ModeWealth work with my existing tax professional or attorney?
Yes. Many of our clients already have trusted relationships with tax professionals and attorneys, and we view that as an asset. With your permission, we coordinate with those professionals so your retirement and income plan, tax filings, and legal documents support the same goals. This collaboration helps reduce gaps and misunderstandings, and gives you the benefit of a more unified strategy across your advisory team.
