Retirement Income Planning in Grand Rapids, MI

Saving for retirement is one challenge. Turning those savings into income you won't outlive is another — and it's the one most people are never taught how to solve.

At Lubbers & Associates, LLC, an independent office in Grandville, we help West Michigan families build a clear, durable plan for how money will actually flow once the paychecks stop.

Request a 30-Minute Retirement Evaluation

From "how much do I have" to "how much can I spend"

A pile of savings doesn't answer the real question: what can I safely live on? Transitioning from accumulating wealth to distributing it requires an entirely different set of rules and strategies.

We help you think through income sources, timing, and sequence — so your plan holds up across good markets and bad. Our goal is to replace your work paycheck with a reliable, tax-efficient retirement paycheck.

Pieces We Help You Coordinate

Social Security Timing

When to claim, and how it interacts with the rest of your plan to maximize your lifetime household benefits.

Guaranteed Income Options

Including annuities and other structured vehicles, evaluated objectively to see where they fit your specific goals.

Compare current annuity rates.

Health Care & Medicare

Navigating Medicare choices and planning for healthcare costs as a realistic, rising line item in your budget.

Drawdown Sequence

Determining exactly which accounts to draw from, and when, to minimize your lifetime tax burden.

Risk Protection

Safeguarding your hard-earned wealth against long-term care needs, sudden market downturns, and longevity risk.

Planning for the life transition, not just the math

Retirement is a turning point, not a spreadsheet.

We take the time to understand what you actually want this next chapter to look like, then build the income strategy that supports it. Whether that means traveling, spending time with family in Grandville, or volunteering in the Grand Rapids community, your money should serve your life.

Lubbers & Associates helped us see past the numbers. We finally stopped worrying about market volatility and started enjoying our retirement.
Grandville, MI David & Martha S.

Retirement Income FAQs

Common questions we help West Michigan families answer as they prepare to transition out of the workforce.

When is the best time to start planning my retirement income strategy?

Ideally, you should begin planning 3 to 5 years before your target retirement date. This window allows us to optimize tax-bracket planning, adjust your portfolio's risk profile, and make strategic decisions regarding Social Security and pensions.

How do independent advisors differ from big-brand financial institutions?

As an independent office in Grandville, Lubbers & Associates, LLC is not bound to proprietary products or corporate sales quotas. We have the freedom to search the broader market to find the exact income vehicles and strategies that align with your best interests.

What is sequence of returns risk, and why does it matter?

This is the risk that a market downturn will occur in the early years of your retirement. If you are forced to sell depreciated assets to fund your living expenses, it can permanently damage the longevity of your portfolio. We build structured income buffers to protect you from this exact scenario.

Take the First Step Toward a Worry-Free Retirement

Discover how to coordinate your assets, minimize taxes, and secure a reliable stream of lifetime income. Request your complimentary, no-obligation evaluation today.

Request a 30-Minute Retirement Evaluation