Hosted by Jeremiah Nolen, CRPC®, NSSA®
Retirement by Design: The Three Decisions That Determine How Long Your Money Lasts
Market risk, taxes, and the survivor trap — what every retiree and pre-retiree in North Alabama should understand before they stop working.
Madison, AL
Educational only. Nothing is sold in the room.
A clear framework for the decisions that shape the rest of your retirement
Built around the questions pre-retirees and retirees across North Alabama are working through right now.
Where your money lives: the three worlds of money and what each one is actually designed to do
Why the descent is riskier than the climb — and what that means once withdrawals begin
How two retirees with the same plan and the same average return can end up with very different outcomes
The three ways the IRS sees your savings, and why most retirees are over-weighted in one category
What the One Big Beautiful Bill changed — and what it left alone
The survivor tax trap most married couples never see coming
How income, investments, taxes, Social Security, healthcare, and legacy fit together as one plan
Sequence-of-Returns Risk
Two retirees, same plan, same average return — and one nearly runs out. Timing of returns in the first years of withdrawals can quietly reshape everything.
The Three Tax Categories
Taxable, tax-deferred, tax-free. Most Americans are heavily concentrated in one bucket. Learn what balancing your tax exposure can look like.
The Survivor Tax Trap
When one spouse passes, income often stays similar while the tax brackets shrink. It's one of the most overlooked risks in retirement planning.
Jeremiah Nolen, CRPC®, NSSA®
Founder, Next Phase Advisors · Independent Fiduciary Investment Advisor
Jeremiah Nolen is the founder of Next Phase Advisors and a retirement income specialist serving families across North Alabama. As an independent fiduciary, he is legally obligated to put his clients' interests first.
Named 2023 NSSA Advisor of the Year, Jeremiah focuses exclusively on the planning issues that matter most in the years leading up to and through retirement: Social Security optimization, tax-efficient withdrawals, Roth conversions, Medicare planning, and estate coordination.
He has helped hundreds of Alabama households build clear, written retirement income plans designed to maximize lifetime income, reduce taxes, and weather market and inflation uncertainty.
“Jeremiah walked us through exactly when each of us should claim Social Security. We left with a written plan.”
“The seminar was educational — no pressure, no pitch. The Roth conversion strategy alone was worth the evening.”
“Our retirement felt like a guessing game. Now we have a clear income plan we actually understand.”
Testimonials reflect individual client experiences and are not indicative of future results. Names may be changed for privacy.
Every attendee receives a complimentary copy of Jeremiah's book, Retire with a Paycheck: Think Like a Pension Manager, Not a Day Trader — yours free, just for attending.
142 Plaza Blvd
Madison, AL
6:00 PM – 7:30 PM
Free parking on site.
Free · Limited Seating