Retirement Planning for Real Life, Not Just the Numbers

Retirement is about more than crossing a finish line at a certain age—it’s about knowing how your savings will translate into income you can count on. The questions are big: When can I retire? How much can I spend? Which accounts should I tap first, and how do taxes and healthcare fit in?

At Cammareri Wealth Management Group, we help retirees and pre-retirees in Orange County, NY move from “Do I have enough?” to a clear, workable plan. Grounded in communication, consolidation, customized strategies, comprehensive planning, and long-term commitment, we design retirement plans that bring together your investments, Social Security, pensions, and healthcare costs so you can step into your next chapter with confidence.

Retirement Income & Distribution Planning

We help you turn your nest egg into a reliable retirement paycheck. Together we clarify your lifestyle goals, organize your accounts, and design an income strategy that coordinates Social Security, pensions, IRAs, 401(k)s, and taxable accounts. The result is a practical distribution plan that aims to support your lifestyle, manage taxes, and adapt as retirement unfolds.

Tax Planning for Retirement

What you keep after taxes matters just as much as what you earn. We look at how withdrawals, Social Security, pensions, and investment income interact with the tax code, then design a tax-aware distribution strategy. That may include coordinating account withdrawals, planning around required minimum distributions, and exploring Roth conversions in a way that fits your goals and long-term plan.