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Retirement Planning

Turn a lifetime of saving into income you can count on. We help Loudoun County and Northern Virginia families plan the timing, the tax treatment, and the withdrawals that make retirement work.

Request a Retirement Planning Consultation

LPL Securities & advisory services through LPL Financial

Sterling, VA Serving Loudoun County, Northern Virginia & Washington, DC

Fiduciary Advisory recommendations made in your best interest

Member FINRA & SIPC member firm

A Retirement Income Plan, Not Just a Retirement Number

Most people spend their working years focused on a single question: how much do I need to save? That question matters, but it is only half the picture. The harder and more valuable work begins when the saving stops and the spending starts. How do you turn a 401(k), an IRA, Social Security, and other assets into a steady, tax-aware paycheck that lasts as long as you do?

That is the work we do with families in Sterling and across Northern Virginia. We look at the timing of Social Security, the order in which you draw from taxable, tax-deferred, and Roth accounts, and how each choice affects your tax bill and your longevity. The goal is a plan that gives you confidence, not just a target balance.

Why the Withdrawal Years Deserve as Much Planning as the Saving Years

The years just before and after you retire carry outsized weight. Decisions made in that window, when to claim Social Security, how to sequence withdrawals, whether to convert to a Roth while your bracket is low, shape your income for decades. Get them right and your money can stretch further and be taxed less. Overlook them and you can pay for it every year in retirement.

$24,500

The 2026 employee contribution limit for 401(k), 403(b), and most 457 plans, with an added $8,000 catch-up at age 50 and up to $11,250 for ages 60 to 63, per the IRS. The years right before retirement are often the best time to catch up.

$7,500

The 2026 IRA contribution limit, plus a $1,100 catch-up at age 50 and older, per the IRS. Traditional and Roth IRAs share one combined limit, so which you choose is a planning decision.

Age 73

The age most savers must begin required minimum distributions from traditional retirement accounts under current law, per the IRS. Planning withdrawals and conversions before then can soften the tax impact when RMDs begin.

These figures move every year. The steady value is a plan that anticipates them, so you are making choices on purpose rather than reacting to a tax bill after the fact.

Our Services

We build your retirement plan from the pieces below. Several connect to their own focused page where you can go deeper.

401(k) Rollover Guidance

When you change jobs or retire, we help you weigh leaving, rolling, or moving an old 401(k), and the tax and investment tradeoffs of each path.

Learn More About 401(k) Rollovers →

Roth Conversion Strategy

Converting during lower-income years can shift future growth into tax-free territory. We analyze whether, when, and how much, backed by our Roth conversion calculator.

Learn More About Roth Conversions →

Retirement Income Strategy

A withdrawal plan that coordinates Social Security timing, account sequencing, and required minimum distributions so your income is steady and tax-aware.

Social Security Timing

The claiming decision is one of the largest levers in a retirement plan. We model the tradeoffs for your household rather than defaulting to a rule of thumb.

Tax-Aware Retirement

Retirement and taxes are inseparable. We coordinate this plan with our tax planning work so brackets, conversions, and RMDs are managed together.

Learn More About Tax Planning Services →

Ongoing Reviews

Markets, tax law, and your life all change. We revisit the plan on a regular cadence and adjust as the rules and your goals move.

Why Our Clients Trust Us With Their Retirement Plan

Retirement is the point where financial decisions become personal and permanent. You want an advisor who understands the stakes and whose recommendations are made in your best interest, not to move a product.

We are a Sterling, Virginia practice backed by LPL Financial, so your retirement income plan gets both a close local relationship and the resources of a large independent broker-dealer.

Best-Interest Advice
In our advisory relationships, retirement recommendations are made in your best interest and built around your income needs.
Backed by LPL Financial
Securities and advisory services are offered through LPL Financial, a Registered Investment Advisor and Member FINRA and SIPC.
Local to Northern Virginia
We meet with Sterling and Loudoun County retirees in person and remotely, and we know the households we serve.
Retirement and Taxes Together
We coordinate your income plan with tax and Roth strategy so the pieces reinforce rather than undercut each other.

George Khalsa, APMA^®, CRPC^®, ChFC^®, CLU^®

Financial Advisor

Focuses on retirement income and tax-smart withdrawal strategies for families approaching and living in retirement.

Satnam Khalsa, APMA^®, CRPC^®

Financial Advisor

Helps clients prepare for retirement with a careful, detail-focused approach to saving and investment planning.

Hari Doue

Practice Manager

Coordinates review meetings and service so your retirement plan stays on schedule.

Areas We Serve

We help retirees and pre-retirees from our Sterling, Virginia office, working with families across Loudoun County, Northern Virginia, and the Washington, DC region.

Sterling Ashburn Leesburg Loudoun County Herndon Reston Great Falls Northern Virginia Washington, DC Fairfax County

Let's Map Out Your Retirement Income

If you want a clear plan for turning your savings into a tax-aware income strategy, we would welcome a conversation. We will look at where you stand and show you what a coordinated retirement plan could look like for your household.

Request a Retirement Consultation Prefer to talk now? Call 703-791-1283

Frequently Asked Questions

When should I start planning for retirement?

Earlier is better, because time is the one resource you cannot add later, but it is rarely too late to improve a plan. Whether you are ten years out or already retired, a review can sharpen your income strategy, your tax treatment, and the order in which you draw from your accounts.

How much can I contribute to my 401(k) and IRA for 2026?

For 2026 the IRS sets the 401(k), 403(b), and most 457 employee contribution limit at $24,500, with an additional $8,000 catch-up at age 50 and up to $11,250 for ages 60 to 63. The IRA limit is $7,500, plus a $1,100 catch-up at age 50 and older. We help you decide which accounts to fund and in what order.

What happens to my old 401(k) when I change or leave a job?

You generally have several options, including leaving it, rolling it to an IRA, or moving it to a new employer plan. Each has tax and investment tradeoffs. Our 401(k) rollover page walks through the choices, and we help you weigh them for your situation.

How does tax planning fit into retirement?

Closely. When and how you draw income, whether you convert to a Roth, and how you manage brackets all affect what you keep. We coordinate retirement and tax planning together rather than treating them as separate jobs.