Estd 2006 · Needham, Massachusetts

Turn your $500K+ IRA into inflation-adjusted lifetime income

A clear, concise plan to convert $500K+ taxable IRAs and 401(k)s into reliable, inflation-adjusted income you can never outlive.

Book Your Free Portfolio Evaluation No cost. No obligation. 20 years serving New England families.

Serving retirees since 2006 Built for $500K+ retirement accounts Free estate package included

The Problem

A large IRA isn't a plan. It's a tax bill waiting to be scheduled.

The IRS is your partner

Every dollar is taxable

Your IRA and 401(k) grew tax-deferred, not tax-free. Withdrawals, RMDs, and what you leave behind are all taxed as ordinary income.

No income plan

Savings without a strategy

Most people arrive at retirement with a number, not a plan. No clear answer to "what can I safely spend, and what will I keep after tax?"

The wrong advice

No advisor, or the wrong one

Whether you're managing it alone or unhappy with your current advisor, without a tax strategy you're likely giving up income you've already earned.

Complimentary: Included With Your Full Evaluation

A complete estate package, free, for going through the process

Complete the full evaluation of your current portfolio and receive your plan for inflation-adjusted lifetime income, plus this estate package at no charge:

Free will

Trust

Financial power of attorney

Healthcare proxy

Start Your Free Evaluation

Documents most families pay $2,000+ to have drafted, yours free for completing the evaluation.

Who This Is For

This process is built for a specific person

You're in your late 50s to mid 70sRetired, or close enough that income planning is no longer optional.

You hold $500K+ in IRAs or 401(k)sSerious money that deserves a serious tax strategy.

You have no advisor, or you've outgrown yoursYou want a clear income plan and a clear tax strategy, not another product pitch.

"Roth conversion strategies without an effective tax strategy don't make sense for the majority of people."

It's why your CPA isn't your tax strategist. Forbes explains the difference. Our evaluation shows you the math for your situation, before you convert a single dollar.

The Process

Three steps to a plan you can actually read

Book your evaluation

Pick a time that suits you. We'll review your current portfolio, income needs, and tax exposure together.

Get your income plan

A clear, concise, tax-efficient plan for inflation-adjusted lifetime income, with the Roth conversion math shown for your numbers.

Receive your estate package

Complete the process and your will, trust, financial power of attorney, and healthcare proxy are prepared free of charge.

Get Started

You spent 40 years building it. Spend 45 minutes protecting it.

Book your free portfolio evaluation with Bean Harbor Advisors. No cost, no obligation, and a complete estate package for seeing the process through.

Book Your Free Portfolio Evaluation