FREE GUIDE · FOR FAMILIES NEARING RETIREMENT

The Retirement Income Blueprint

How to turn your savings into a monthly paycheck you can’t outlive. The same 5-part framework I use with Hawaii families retiring with $1M–$5M — distilled into one clear, free guide.

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What’s Inside the Blueprint

Saving was the easy part — you’ve done that for 30 years. The harder question is the one nobody teaches: how do you turn a lifetime of savings into reliable monthly income? The Blueprint walks through the five decisions that matter most.

Know Your Income Gap

The one number every retirement plan starts with: spending minus guaranteed income
What the 4% rule really tells you — and where it falls short
A simple table: what $500K to $1.5M actually produces per month

Withdrawal Sequencing

Which account to spend first — the order can be worth six figures over a retirement
The low-tax window between retirement and RMDs at 73
When a Roth conversion lowers your lifetime taxes and future Medicare premiums

Social Security Timing

What claiming at 62, 65, 67, or 70 actually pays — side by side
Your break-even age, and why longevity changes the answer
Why married couples should optimize spousal and survivor benefits jointly

Sequence of Returns Risk

Two retirees, same $1M, same average return — opposite outcomes
Why when the bad years arrive matters more than if
The cash-buffer playbook that keeps a downturn from derailing your plan

Healthcare + Inflation

Bridging coverage before 65 — and what Medicare really costs after
The IRMAA surcharge thresholds that catch retirees off guard
What 3% inflation quietly does to your spending over 30 years

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Your Pre-Retirement Checklist

The 5 questions to answer before you set a retirement date
A one-page self-check to see where your plan stands today
Stress-test: could your plan survive a 30% drop in Year 1?

Why I Wrote This

I’m Daniel Masuda Lehrman, a fee-only, fiduciary CERTIFIED FINANCIAL PLANNER™ in Honolulu. Most of the retirement advice my clients encountered before we met focused on accumulating — almost none of it explained how to spend confidently. The Retirement Income Blueprint is the starting framework I wish every family had before their first planning conversation: no jargon, no sales pitch, just the five decisions that determine whether your savings become a paycheck you can’t outlive.

No spam — unsubscribe anytime. For educational purposes only; not personalized financial, tax, or legal advice. Masuda Lehrman Wealth LLC is a Registered Investment Advisor.