Retirement income
Can I retire at 62 with $1 million?
Start with the income gap, then consider taxes, timing and the room to adjust.
Read the guide →Connecticut Retirement Planning
Retirement is too important to leave to chance.
We help people approaching or enjoying retirement coordinate income, investments, taxes, Social Security and legacy decisions into one clear financial strategy.
Eight questions. No email required. A clearer starting point.
The questions we help answer
You spent decades building your savings. Now you need a plan for using it.
Retirement decisions rarely happen in isolation. We help you understand how the pieces work together.
01 · RETIREMENT DATE
Can I retire when I want to?
Understand whether your income, savings and spending can support your target retirement date.
Explore this question →02 · INCOME
How much can I spend?
Build a sustainable income strategy designed around your lifestyle and changing needs.
Explore this question →03 · SOCIAL SECURITY
When should I claim?
Evaluate timing, spousal benefits and how your claiming decision fits the rest of your plan.
Explore this question →04 · INVESTMENTS
How should my portfolio change?
Align your investments with retirement income needs, risk tolerance and long-term goals.
Explore this question →05 · TAXES
Could I reduce lifetime taxes?
Coordinate withdrawals, Roth conversion opportunities, RMDs and charitable strategies.
Explore this question →06 · LEGACY
What happens to what remains?
Coordinate beneficiary, estate and legacy considerations with the rest of your financial plan.
Explore this question →Our Coordinated Planning Process
The Impact Retirement Plan™
Six connected decisions working toward one retirement strategy. Rather than treating income, investments, taxes and legacy planning as separate services, we coordinate them through an ongoing process built around your life.
IncomeHow much can you sustainably spend and where should it come from?
InvestmentsHow should your portfolio support growth, income and risk management?
TaxesWhere could proactive planning improve after-tax outcomes over time?
Social SecurityHow should claiming timing, spousal benefits and survivor considerations fit your plan?
RiskWhat happens if markets fall early in retirement or your needs change?
LegacyHow can your remaining assets support family, charity or other priorities?
Explore our six planning services →Who We Help
Is Impact Financial Planning right for you?
We work best with people who want an ongoing planning relationship—not just isolated investment recommendations.
✓
You’re within roughly 10 years of retirement—or already retired.
You want clarity before major retirement decisions become irreversible.
✓
You’ve accumulated meaningful retirement savings.
You want those assets coordinated with income, taxes and long-term goals.
✓
You’re concerned about turning savings into reliable income.
You want to know what you can spend and how to fund it.
✓
You value advice you can understand.
You want an advisor who explains the “why” behind recommendations.
Meet Brian Marois, AAMS®
Planning should make complex decisions easier to understand.
Brian Marois is the founder of Impact Financial Planning and focuses on helping clients coordinate financial planning and investment management as they prepare for important life transitions.
“Markets are dynamic and can be confusing. My goal is to take the fear out of investing and give you confidence in the plan supporting your goals.”
Brian also hosts The Market Interest, a video series focused on investment markets and personal financial wellness.
→ Meet the Impact Financial Planning TeamWhat Working Together Looks Like
A clear process from first conversation to ongoing advice.
STEP 01
Discover
We learn about your finances, family, concerns and vision for retirement.
STEP 02
Analyze
We evaluate income, investments, taxes, Social Security and key risks.
STEP 03
Build
We create a coordinated retirement strategy designed around your goals.
STEP 04
Implement
We help put the recommendations and investment strategy into action.
STEP 05
Monitor
We adjust as markets, tax rules and your life evolve.
A Hypothetical Planning Example
Meet “John & Susan,” age 62.
They want to retire with confidence, but several important decisions must work together. Their example illustrates how income, taxes, Social Security, investments and risk can be evaluated as parts of one coordinated plan.
Starting point
They’ve saved diligently and want to retire, but they’re unsure how taxes, Social Security and withdrawals fit together.
$1.4MTraditional IRA
$400KTaxable Investments
$100KAnnual Lifestyle Goal
67Planned Social Security Age
Questions their plan should address
- Can they retire now while maintaining an adequate long-term margin?
- Which accounts should fund spending before Social Security begins?
- Could partial Roth conversions before RMDs be worth evaluating?
- How much portfolio risk is appropriate once withdrawals begin?
- Could a market decline early in retirement alter the strategy?
Hypothetical example for educational purposes only. It does not represent an actual client, investment recommendation, tax advice or guarantee of results.
Retirement Insights
Good decisions begin
with better questions.
Plain-language guides that explain the choices, the tradeoffs and what to consider next.
Tax planning
When does a Roth conversion make sense?
Compare a known tax cost today with uncertain future benefits.
Read the guide →Investing in retirement
Should my portfolio change when I retire?
Give near-term withdrawals and long-term growth different jobs.
Read the guide →2-Minute Retirement Checkup
How coordinated is your retirement plan?
Answer eight short questions covering retirement income, Social Security, investments, taxes, healthcare and legacy planning.
Your answers stay in your browser and are not submitted or saved.
Eight questions · About two minutesStart the Retirement Checkup
Get a personalized retirement-readiness snapshot.
See which areas appear most prepared
Identify three priorities to review next
Explore educational resources for each priority
Frequently Asked Questions
What to know before starting a conversation.
What happens in the first consultation?
We discuss what prompted you to reach out, your major retirement concerns and what you want your money to support. The goal is to determine whether working together appears to be a good fit.
Do you only work with retirees?
Our work is centered on people approaching retirement and those already retired. We may also help individuals and families facing major financial transitions when comprehensive planning and ongoing advice are a good fit.
Do you provide investment management?
Yes. Investment management is coordinated with your retirement income needs, time horizon, risk tolerance, tax considerations and broader financial plan.
Are you a fiduciary?
Yes. When providing investment advisory services, Brian acts as a fiduciary and is required to put clients’ interests first. We believe that responsibility should be reflected in transparent communication, clearly explained recommendations and an open discussion of fees, risks and tradeoffs.
Do you provide tax advice?
Tax-efficient planning can be incorporated into financial planning. Specific tax preparation or legal advice should be coordinated with the appropriate tax or legal professional.
Where do you work with clients?
Impact Financial Planning serves individuals and families in Connecticut and Florida, with an office in South Windsor, Connecticut.
Start With a Conversation
You’ve spent decades building your retirement savings. Let’s build a plan for what comes next.
Schedule a complimentary consultation to discuss your goals and learn how the Impact Retirement Plan can coordinate the decisions ahead.