By Bob Lauro - Pittsburgh Financial Adviser
Income Planning
for the Wise
A practical guide to protecting your retirement income from the three forces that quietly erode it: inflation, taxation, and market volatility.
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Read the first chapter and see why most retirement plans only address one of the three biggest risks.
Five Pillars of Retirement Readiness
The book covers the five areas that determine whether your retirement plan will hold up when it matters most.
Income Strategy
Knowing how much you've saved is not the same as knowing how much you can spend. An income plan tells you exactly what you can withdraw each month without running out.
Tax Planning
If most of your savings are in tax-deferred accounts, every dollar you withdraw is taxed as ordinary income. The Tax Triangle strategy gives you control over your tax bill.
Healthcare Costs
70% of Americans over 65 will need long-term care. Medicare doesn't cover it. A plan that ignores healthcare costs isn't really a plan.
Legacy Planning
Estate planning isn't just for the wealthy. Without the right documents, your family faces probate delays, unnecessary taxes, and difficult decisions.
Risk Management
What worked while you were saving may not work when you need reliable income. Retirement requires a fundamentally different approach to investment risk.
About Bob Lauro
For over three decades, Bob Lauro has helped Pittsburgh-area families navigate the transition from saving for retirement to living confidently in retirement.
His book, Income Planning for the Wise, distills the framework he uses every day with clients: a comprehensive approach covering income planning, tax strategy, healthcare costs, legacy planning, and risk management.
Bob believes that genuine financial confidence doesn't come from having the most money. It comes from having a plan that accounts for the unexpected.