Eric Gaddy · Retirement Income Specialist · 33 Years Experience
A structured 60-minute session to evaluate how your income, taxes,
and risk exposure work together — and identify what may be missing.
Fiduciary advisor
Independent RIA
No product presentations
Limited sessions each month
What This Session Actually Is
You leave with a written Retirement Income Design Report built around your specific
numbers — not a brochure, not a pitch deck.
The Problem
After 33 years working with families entering retirement, I've found that plans typically fail not because of a bad investment — but because income, taxes, and risk were never coordinated together.
Income Uncertainty
How much can you safely withdraw? Which accounts first? Will your income hold for 25–30 years?
Tax Exposure
How will RMDs affect you? Should you be converting to Roth now? Will Medicare premiums rise?
Sequence Risk
What happens if markets drop in your first years of retirement? Is your income plan truly stable?
Most people have investments. Far fewer have a coordinated retirement income structure.
The Session
The Retirement Design Architecture Session is a structured diagnostic — not a product presentation. We examine whether your current plan has the coordination required to last.
Desired retirement income
Guaranteed income sources
Your income gap calculation
Social Security timing strategy
Tax exposure & RMD projections
Withdrawal sequencing strategy
Sequence-of-returns risk
Structural gaps in your current plan
How It Works
The RDA Session follows a defined process. There are no surprises — only clarity.
You share your numbers
Before the session, you complete a brief intake that captures your accounts, estimated Social Security, and income goal. Takes about 10–15 minutes.
We run the diagnostic
Using the Retirement Design Architecture framework, we analyze your income gap, tax exposure, withdrawal sequence, and sequence risk — all coordinated together.
You receive your report
You leave the session with a written Retirement Income Design Report built around your specific numbers — showing exactly where things stand and what, if anything, needs attention.
Our Commitment
Not this
A vague "get to know you" meeting with no defined output and a product presentation at the end
Not this
Generic advice that ignores how your income, taxes, and risk interact with each other
this
A structured 60-minute diagnostic with a written report built from your actual numbers
this
Honest findings — including when everything looks solid and no changes are needed
What You Walk Away With
Most advisor meetings end with a handshake and a follow-up email. The RDA Session ends with a report that shows exactly what we found.
No generic templates. No product recommendations. Just a clear, documented picture of your retirement structure — and where the gaps are, if any exist.
Retirement Income Design Report
Income gap analysis — your gap to the dollar
Tax concentration risk & RMD projection
Stress test — sequence risk exposure
Social Security timing comparison
Portfolio breakdown by account type
Monte Carlo retirement success probability
Structural gap summary with advisor commentary
Qualification
This session is designed for:
Within 5 years of retirement
Recently retired
$250,000 or more in investable assets
Seeking income structure, not product sales
Seeking income structure, not product sales
This may not be the right fit if:
More than 5 years from retirement
Under $250,000 in investable assets
Looking primarily for investment performance
Not yet ready for structured coordination
— Eric Gaddy, Retirement Income Specialist
Application
We open a limited number of sessions each month. Complete the short form below to
determine if this session is appropriate for your situation.
This session is complimentary and carries no obligation. We will review your application and reach out
within one business day to discuss next steps
Investment advisory and financial planning services are offered through Alphastar Capital Management, LLC; a SEC registered investment advisor. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Alphastar Capital Management, LLC is also available on the SEC's website at adviserinfo.sec.gov. Live Free Retirement Advisor and Alphastar Capital Management, LLC are separate and independent entities. The firm only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Live Free Retirement Advisor offers insurance products through individuals licensed to sell insurance. Comments regarding guaranteed returns or income streams refer only to fixed insurance products offered by Live Free Retirement Advisor and, unless specifically stated, do not refer in any way to securities or investment advisory products offered by Alphastar. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company and are not offered or guaranteed by Alphastar.
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