What Is Retirement Planning?

Retirement planning involves building a financial roadmap to help maintain your lifestyle once you’ve left the workforce. It includes:

  • Saving and investing for long-term goals

  • Managing taxes and healthcare costs

  • Creating reliable income from your retirement fund

  • Planning when to draw Social Security or pensions

  • Helping ensure your finances are built to support you throughout retirement.

A well-planned retirement gives you clarity, flexibility, and freedom. And when it’s done right, you feel more secure — not just about your money but your whole future.

Why Retirement Planning Matters in Eugene

Eugene offers an exceptional quality of life — from the outdoors to the arts. But with rising living expenses, inflation, and healthcare costs, a casual approach to retirement can leave you vulnerable.

Our team works with individuals and families throughout Eugene who:

  • Are 45–70+ years old

  • Have $100k+ in investable assets

  • Want professional guidance to retire comfortably

  • Prefer trusted, relationship-based advice over quick fixes

Having a local retirement financial advisor who understands the economic landscape in Eugene helps you plan wisely — not just for now, but for every phase of retirement.

Our Retirement Planning Services

Our approach to retirement planning is tailored, strategic, and built to evolve as your life does. Here’s what we offer:

Pre-Retirement Planning

We help you determine how much you’ll need to retire, how to grow your retirement fund efficiently, and when it makes sense to stop working.

Retirement Income Strategies

Once you're retired, the focus shifts from saving to spending. We build plans that help turn your savings, pension plans, and other investments into reliable monthly income.

Pension Plan & 401(k) Guidance

We review and optimize your pension or employer retirement plans to ensure they align with your income needs and tax strategy.

Social Security Timing

Choosing when to start Social Security benefits can have a significant impact. We’ll help you determine the best time based on your unique situation.

Wealth & Investment Planning

Retirement isn’t the end of investing — it’s a transition. We’ll ensure your portfolio is balanced for growth, income, and protection.

Estate & Legacy Coordination

Planning ahead for how your assets are passed down can reduce taxes, ease the burden on your loved ones, and protect your legacy.

All of these financial retirement services are delivered with your long-term security in mind — because retirement planning services shouldn’t be one-size-fits-all.

Working with a Retirement Financial Advisor You Can Trust

As a local financial planning firm, we know that retirement is personal. That’s why we don’t offer cookie-cutter advice — we build every retirement plan around your lifestyle, your values, and your vision for the future.

Tetralogy Financial Planning Group’s team of retirement planning advisors combines deep financial knowledge with a commitment to honesty, transparency, and teamwork. Led by Ryan Lew, CFP®, and Ben Wenzel, CFP®, who bring over 60 years of combined experience in financial services, our advisors provide the seasoned insight you can rely on.

Our goal is to keep things simple and approachable — offering honest retirement guidance without the industry jargon. Whether you’re managing a retirement fund, reviewing your pension plan, exploring retirement income management (post-retirement), or seeking investment and wealth planning and management, we’re here to help every step of the way.

Frequently Asked Questions

  • It’s a strategy for saving, investing, and withdrawing money so you can maintain your lifestyle after retiring. Without a plan, it’s easy to overspend or undersave.

  • Now. Whether you’re 10 years away or already retired, starting (or updating) a plan helps you stay in control.

  • We take a close look at your savings, expected income, spending needs, and future goals — then help you evaluate whether you're on course or need to make changes.

  • Absolutely. We offer guidance on your employer-sponsored plans, rollovers, pension elections, and income options.

  • We’re local, personal, and relationship-focused — not commission-driven. Our advice is rooted in integrity and tailored to your life.

  • Most of our clients have $100k or more in investable assets, but we’re happy to talk and see if we’re a good fit.

Let’s Build a Retirement Plan You Can Feel Confident About

Retirement should be a time to relax—not worry about finances or second-guess your decisions. Whether you're planning ahead or already retired, we’re here to provide thoughtful guidance and support tailored to your needs in Eugene, OR.

If you’d like to explore how a personalized retirement plan could work for you, we welcome you to reach out at (541)-600-3344 or complete our contact form when it’s convenient.