Retirement Income Planning

Badii Group Private Wealth Management helps families in Southlake and across the Dallas Fort Worth area turn a lifetime of savings into dependable retirement income. Working with Managing Partner Kirk K. Badii, you receive a coordinated withdrawal, tax, and investment strategy built to support the way you want to live in retirement.

Request A Retirement Income Consultation

Southlake, TX 550 Reserve Street, Suite 250

Coordinated Income Withdrawals, tax, and investments planned together

Led By Kirk K. Badii Managing Partner, CEPA and Series 7 and 66

FINRA/SIPC Securities and advisory services through Independent Financial Group, LLC

A Retirement Income Strategy Built Around Your Goals

Retirement changes the central financial question. For decades the goal is to accumulate. Once you retire, the goal becomes turning what you have saved into income that lasts, holds up against taxes and inflation, and gives you the confidence to spend on the life you planned for.

At Badii Group Private Wealth Management, retirement income planning is the discipline of building that paycheck from your own assets. Managing Partner Kirk K. Badii works directly with each family to map where income will come from year by year, from Social Security and investment accounts to pensions and other sources, and to sequence withdrawals in a way that supports both today's lifestyle and tomorrow's goals.

Kirk brings experience from UBS Private Wealth Management and Credit Suisse Private Bank to that work, pairing institutional-level planning with the attention of an independent Southlake firm. The result is a plan that reflects your priorities rather than a product menu, and one that adapts as markets, tax law, and your own circumstances change.

Why A Retirement Income Plan Matters

A retirement that could span three decades leaves little room for guesswork. The order in which you draw from accounts, the timing of Social Security, and the way you manage taxes and market swings all interact with one another. A written income plan considers them together, so a choice in one area does not create an avoidable cost in another.

Retirements Last Longer

A 65-year-old man has an average life expectancy of about 82 and a woman about 85, according to the Social Security Administration. Income planning has to fund decades, not years.

Withdrawal Order Affects Taxes

Required minimum distributions from traditional retirement accounts generally begin at age 73 under the IRS SECURE 2.0 rules. The order in which you draw accounts shapes your lifetime tax bill.

Market Timing Cuts Both Ways

Withdrawing from investments during a downturn early in retirement can do lasting damage to a portfolio you are drawing from. A framework for risk and withdrawals helps protect capital when conditions change.

Inflation Erodes Fixed Income

Costs rise over a long retirement, so income that looks comfortable at 65 can feel tight at 85. A plan accounts for rising expenses to help protect your purchasing power over time.

Our Retirement Income Planning Services

Kirk K. Badii and the Badii Group team coordinate the pieces of your retirement income under one relationship, so each decision supports the others. Every strategy is tailored to your goals, your timeline, and the way you want to live.

Income And Withdrawal Strategy

We map where your income will come from each year and set a withdrawal sequence designed to make your assets last and keep your lifestyle steady.

Social Security Timing

We model different claiming ages alongside your other income sources so you can weigh the trade-offs and choose the timing that fits your plan.

Tax-Aware Distribution Planning

We coordinate draws across taxable, tax-deferred, and tax-free accounts, and consider Roth conversions where they fit, to manage taxes across your full retirement.

Portfolio Management For Income

We build and oversee an allocation that balances the need for current income with continued growth, adjusting as markets and your needs change.

Required Minimum Distributions

We plan for RMDs ahead of time so they fit your income strategy and tax picture rather than arriving as a surprise.

Legacy And Estate Coordination

We align your income plan with your wishes for the next generation, coordinating with your other professionals so the pieces work together.

Why Families Work With Badii Group

Choosing an advisor for your retirement is a decision about whom to trust with the income you will live on. Our value comes from experience, transparency, and a standard of care that puts each family's interests first.

We are an independent Southlake firm, so our recommendations are driven by your goals rather than product sales. On advisory accounts, we act as a fiduciary and make recommendations in your best interest.

Fiduciary Standard On Advisory Accounts

Advisory recommendations are made in your best interest, with advice built around your goals rather than product sales.
Coordinated, Not Piecemeal

Income, tax, investment, and legacy decisions are managed together, so no part of your plan works against another.
Backed By Independent Financial Group

Securities and advisory services are offered through Independent Financial Group, LLC (IFG), Member FINRA/SIPC.
Rooted In Southlake, TX

We live and work where our clients do, serving families across the Dallas Fort Worth Metroplex face to face.

Kirk K. Badii

Managing Partner

Kirk leads Badii Group's retirement income work, drawing on experience at UBS Private Wealth Management and Credit Suisse Private Bank. He holds the CEPA^® designation and Series 7 and 66 licenses.

Tristan A. King

Senior Associate

Tristan supports the client relationship and service side of the practice, helping families stay organized and informed throughout the planning process. He brings prior experience from Morgan Stanley.

Areas We Serve Across The Dallas Fort Worth Metroplex

Badii Group Private Wealth Management works with families and business owners in Southlake, TX and the affluent communities across the Dallas-Fort Worth area. Our office is at 550 Reserve Street, Suite 250, Southlake, TX 76092.

Southlake Colleyville Westlake Grapevine Keller Trophy Club Flower Mound Argyle Highland Park University Park Frisco Plano Dallas-Fort Worth Area

Office hours: Monday through Friday, 8:00 AM to 5:00 PM.

Start Your Retirement Income Plan With Badii Group

If you want a clear, coordinated plan for turning your savings into lasting retirement income, we would welcome a conversation. Kirk K. Badii and the Badii Group team will listen to your goals and outline how a tailored income strategy could work for you.

Request A Retirement Income Consultation

Frequently Asked Questions

What Is Retirement Income Planning?

Retirement income planning is the process of turning the assets you have saved into dependable income for the rest of your life. It coordinates where your income comes from, the order in which you draw from your accounts, when you claim Social Security, and how you manage taxes and market risk, so your money supports the lifestyle you have planned.

How Is Income Planning Different From Saving For Retirement?

Saving for retirement focuses on growing your assets over your working years. Income planning focuses on the opposite challenge: spending those assets in a way that lasts. It weighs longevity, taxes, inflation, and market timing to build a steady paycheck from your own savings once your regular income from work ends.

When Should I Start Planning My Retirement Income?

Many families begin income planning in the years just before retirement, often in their late fifties or early sixties, when decisions about Social Security timing, withdrawal order, and tax strategy start to matter most. Starting earlier gives you more flexibility, but a plan can be built and adjusted at any stage of retirement.

How Does Tax Planning Fit Into Retirement Income?

Taxes can be one of the largest expenses in retirement. Drawing from taxable, tax-deferred, and tax-free accounts in a thoughtful order, and considering strategies such as Roth conversions where appropriate, can help manage the taxes you pay across a full retirement. We coordinate your income and tax decisions so they work together.

Who Will I Work With At Badii Group?

You work directly with Managing Partner Kirk K. Badii, who leads the firm's retirement income planning. Kirk brings experience from UBS Private Wealth Management and Credit Suisse Private Bank, and he coordinates your income, tax, and investment strategy as an independent Southlake advisor. On advisory accounts, recommendations are made in your best interest.

Do You Serve Families Outside Of Southlake?

Yes. Badii Group is based in Southlake, Texas and works with families throughout the Dallas Fort Worth Metroplex and beyond. You can meet in our office or connect remotely, whichever suits you best.