Michael Meilleur

WORK HISTORY

EDUCATION

ABOUT MICHAEL MEILLEUR

Most people think retirement planning is about saving enough money.But the truth is you could have millions saved, and still lose sleep over taxes, income gaps, or the fear that your money won’t last as long as you do.I imagine you’ve probably done everything the “right way” up until this point.You’ve probably maxed out your 401(k), paid down debt, stayed disciplined…but now you’re staring down the next chapter and wondering:“Am I actually ready?”You’re not alone.Most pre-retirees I meet are shocked to learn how quickly taxes can eat away at what they’ve built. Roth conversions sound simple until they trigger higher Social Security taxation. IRA withdrawals can quietly push you into a higher bracket. And the investment plan that got you here might not be the one that gets you through retirement.It’s not your fault. Retirement income planning has become a maze of rules, brackets, and “gotchas” that can cost you hundreds of thousands in avoidable taxes.And most advisors still treat taxes, investments, and estate planning like three separate conversations.That’s why we built the T.I.M.E. Process™ - a proprietary planning framework designed to bring every piece of your financial life into one coordinated plan:→ Tax efficiency: Strategies designed to reduce lifetime taxes and grow wealth.→ Income optimization: Build reliable income that feels like a paycheck again.→ Market alignment: Investment strategies that align with your stage of life.→ Estate strategy: Transfer wealth smoothly, minimize taxes, and preserve your legacy.The goal? To help you pay less, live more, and make your money last decades longer.