Raymond Yau, MBA, M.Ed.
Retired U.S. Navy Commander
Financial Planner | Forthright Capital Partners
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Retirement Income Planning

Sleep Well At Night.
Enjoy a Secure Retirement.

Helping military families, educators, and public servants build tax-efficient retirement income strategies so they can live with confidence.

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Who I Serve

Focused planning for households who value structure, discipline, and a clear retirement income roadmap.

Military & Veterans Active duty, retirees, and military families seeking coordinated retirement income planning.
Teachers & Public Employees Guidance for 403(b), 457, pensions, and tax-efficient retirement distribution planning.
Pre-Retirees (Age 50+) Planning the next chapter: income, taxes, protection, and long-term confidence.

Retirement Planning Services

Practical strategy, documented planning, and a focus on long-term clarity (not speculation).

Retirement Income Strategy

Build an income plan designed to support lifestyle needs through retirement.

Roth Conversion Planning

Model tax tradeoffs and timing to improve long-term tax efficiency.

Annuity & Protection Planning

Evaluate guaranteed-income and protection solutions within a broader plan.

Investment & Risk Management

Align allocation and risk controls with your retirement timeline and goals.

Planning Scenarios

Examples for illustration only — designed to show how planning decisions can be structured.

Military Couple, Age 59

Challenge
Concern about taxes and income sustainability in retirement.
Planning focus
Roth conversion modeling and income-floor strategy evaluation.
Outcome
Improved projected tax efficiency and increased retirement confidence.

Teacher Nearing Retirement

Challenge
Coordinating 403(b), pension timing, and withdrawals.
Planning focus
Distribution sequencing and tax-aware income planning.
Outcome
More predictable cash-flow plan with clearer tax expectations.

Widow, Age 64

Challenge
Managing assets and income after spouse’s passing.
Planning focus
Risk alignment, income continuity, and legacy coordination.
Outcome
Clearer plan structure and improved confidence for the next steps.
Hypothetical scenarios for illustrative purposes only. Individual results will vary.
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Raymond Yau, MBA, M.Ed. Retired U.S. Navy Commander
Financial Planner | Forthright Capital Partners
Phone: YOUR_PHONE • Email: YOUR_EMAIL
Schedule Consultation
Advisory services offered through Forthright Capital Partners.
Securities offered through BROKER DEALER NAME, Member FINRA/SIPC.
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