The transition from asset accumulation during working years to the asset distribution phase during retirement is a pivotal stage in each retirees step towards financial well-being. The first big question is always “When should I retire?” quickly followed by “Do I have enough money to retire?”. For most people at or near retirement, there are typically more questions than answers. We want to change that. At Thomas Financial, we focus on retirement cash flow management for clients who desire an investment portfolio that offers predictable and sustainable income. Through our in-depth retirement income evaluation, we work with our clients to analyze each clients “Retirement Readiness”. Below are some key factors we like to use to begin retirement planning discussions.