Retirement Income Planning · Frisco, TX · Licensed in 30+ States

Your retirement
income, engineered.

Retirement income · refined

You spent 30 years building wealth. The next 30 depend on how you distribute it. We help pre-retirees convert accumulated assets into predictable, tax-efficient lifetime income — before the decisions become irreversible.

Schedule Free Income Review → Run the Numbers →
20+ Years of Experience
30+ States Licensed
$0 Cost for First Review
The Questions Keeping You Up at Night

Most pre-retirees are one bad decision away from a retirement that runs out before they do.

You're not bad at money. You're facing decisions that are genuinely complex — and permanently consequential. These are the ones we solve.

01

The RMD Tax Bomb is Armed

Every year you defer, your tax-deferred accounts grow — and so does the mandatory distribution you can't avoid at 73. Most pre-retirees don't realize how large that tax bill will be until it's too late to defuse it.

02

Social Security Timing is Irreversible

Claim too early and you permanently reduce monthly income. Claim at the wrong time relative to your spouse and you leave tens of thousands on the table. There's no take-back once you file.

03

Sequence of Returns Can Wipe a Portfolio

A bad market in years 1–3 of retirement — while you're withdrawing — can permanently impair a portfolio that would have recovered fine if you were still accumulating. Most retirees never model this risk.

04

Your Income Gap is Larger Than You Think

Social Security and pension income (if you have one) rarely cover a pre-retiree's full expense picture. The gap between what guaranteed income covers and what you actually need determines everything else in your plan.

05

Medicare Surcharges Can Hit Without Warning

IRMAA surcharges kick in when income crosses certain thresholds — and a single large withdrawal in the wrong year can cost you thousands in elevated Medicare premiums for two full years.

06

Longevity Risk is Underestimated. Always.

A 65-year-old couple has a 50% chance one spouse reaches 90. A plan built for 20 years of retirement may only need to last 25 — but the difference in those 5 years is everything.

See Where You Stand — Free Calculators →
What We Do

Retirement income planning,
built to last.

Every service is designed around a single outcome: reliable, tax-efficient income that you don't outlive.

Retirement Income Planning

A comprehensive map of where your income comes from, in what order, and for how long — built around your specific asset mix, timeline, and spending needs.

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Tax-Efficient Withdrawal Strategies

Which accounts do you draw from first — and in what order? The sequencing decision alone can determine how long your money lasts and how much goes to taxes.

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Social Security Optimization

Breakeven analysis, spousal coordination, the impact on Medicare premiums and taxes — we run the full model before you file, not after.

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Annuity & Insurance Solutions

When guaranteed income makes sense in a plan, we source it independently across the market — no single carrier, no captive products, no quotas. The right tool for your situation.

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20+ Years in Practice
30+ States Licensed
Independent No Carrier Affiliation
World Indoor Champion · 4×400m · 1995
Free Planning Tools

Find out your real retirement income number.

Our calculators are built pain-first — they show you the problem clearly before offering the path forward. No email required to run them.

  • Retirement Income Gap Calculator
  • RMD Tax Bomb Calculator
  • Social Security Timing Optimizer
  • Roth Conversion Analyzer
  • Safe Withdrawal Rate Calculator
  • IRMAA Medicare Surcharge Calculator
  • Sequence of Returns Simulator
  • And more →
Run the Numbers Free →
Quick Check

What's your retirement income gap?

Enter two numbers and see the gap you'll need to fill.

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Tod Long — Retirement Income Specialist, Tempered Wealth Management
About Tod Long

A practice forged from
two decades of decisions.

Tod Long didn't come to financial services through a conventional path. As a University of Oklahoma sprinter, World Indoor Champion, and Nike professional athlete, he built his entire worldview around one discipline: preparation determines outcomes.

That discipline carried into 20+ years of independent financial practice. Not products-first. Strategy-first. Because retirement decisions are often irreversible — and getting them right the first time is the only acceptable standard.

Athletics World Indoor Champion — 4×400m Relay · USA Indoor Champion — 200m · 6× NCAA All-American · University of Oklahoma
Experience 20+ years independent retirement income planning · Licensed in 30+ states · NPN: 7569078
Media Host, The Income Standard Podcast · Former host, Financial Fast Track Radio (OKC)
Education Seminar presenter at local colleges and public libraries — Social Security, RMDs, retirement income strategy
Tod's Full Story →
Take the First Step

A 20-minute call that could change
the next 30 years.

The first conversation is a free income review. No products pitched. No commitment. Just a focused look at where you stand and what your options are.

Schedule Free Income Review → Call 888-553-6428 →

Tempered Wealth Management is an independent financial services practice. Insurance products and services are offered through Tod Long, NPN 7569078, licensed in 30+ states. This website is for informational purposes only and does not constitute investment, tax, or legal advice. Calculators are illustrative tools only — results are estimates and not guarantees. Past performance is not indicative of future results.