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A Definitive Guide · Income Planning in Tucson

Seven Strategies. One Coordinated Plan.

Estate, business, retirement, insurance, charitable giving — most people treat these as separate decisions handled by separate people who never talk. Income planning is the work of making them one plan. This guide walks you through all seven pieces and how they connect, so you can see the whole picture before you dive into any one part.
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Estate Planning Business Planning Retirement Planning Charitable Gift Annuities Insurance ESOP Structures Serving Tucson Since 2009 (520) 360-8177 Estate Planning Business Planning Retirement Planning Charitable Gift Annuities Insurance ESOP Structures Serving Tucson Since 2009 (520) 360-8177
Why It Has To Be One Plan

Three things income planning has to get right at the same time

When the seven pieces are handled separately, they don’t simply stay separate — they work against each other. A decision that looks correct inside one silo quietly creates a cost inside another, and nobody sees it because nobody is looking at all seven at once.

Three failure points account for most of the damage. Everything in this guide comes back to them.

01

Withdrawal order

Two households can hold identical accounts with identical balances and still end up in very different places, because of which account gets drawn down first and what markets happen to be doing at the time. Retirement, insurance, and estate decisions all change the answer. Handled alone, retirement planning can’t see the whole board.

02

Lifetime tax exposure

A withdrawal strategy that looks efficient this April can raise the bill on the next twenty years — through bracket creep, Medicare surcharges, how Social Security gets taxed, and what heirs eventually inherit. Charitable structures and business exits both move this number, which is why they can’t be planned in a separate room.

03

Documents that disagree

Beneficiary designations override wills. Account titling overrides intentions. An unfunded trust does very little. When the paperwork contradicts the plan, the paperwork wins — so the estate documents and the income strategy have to be built against each other, not in sequence years apart.

This is the work Global Investment Strategies does. Doug McClure serves as the coordinating point across all seven areas — working alongside your attorney, CPA, and trustee rather than in place of them — so these three questions get answered together instead of one at a time. The seven strategies below are how that gets done.

Global Investment Strategies

The map of the whole plan

Pick a strategy. See what it touches.

What the coordinating point actually does

Somebody has to be holding all seven

Your attorney is responsible for your documents. Your CPA is responsible for your return. Your insurance agent is responsible for the policy. Every one of them can do their job perfectly and still leave the gaps between them unattended — because no one is paid to look at all seven at once. That is the seat Global Investment Strategies sits in.

We start with the whole board

Before recommending anything, we map what already exists — the documents, the beneficiary designations, the business agreements, the policies, the accounts. Most of the value shows up here, in the contradictions nobody had a reason to look for.

We work alongside your professionals

We don’t replace your attorney, your CPA, or your trustee, and we don’t manage your investment portfolio. We coordinate with the people you already trust so their work lines up instead of running in parallel.

We name the tradeoffs out loud

Every one of these strategies costs something — liquidity, flexibility, simplicity, or control. A plan built without saying that plainly isn’t a plan, it’s a sales pitch. You should be able to explain the downside of your own strategy.

Global Investment Strategies has served Tucson business owners and families since 2009. Doug McClure is an independent insurance broker, which means the recommendations aren’t tied to a single carrier’s shelf — and it also means being clear about the lane: the coordination and the protection side, alongside the attorneys, CPAs, and trustees who handle theirs.

Good advice from seven directions is not the same thing as a plan.

Income planning questions

Frequently asked questions

Income planning is the work of turning what you own into reliable income — and making sure the decisions that affect it don’t contradict each other. In practice it spans seven areas: estate, business, retirement, insurance, charitable giving, ESOP structures, and guaranteed lifetime income. The planning part isn’t any single one of those. It’s deciding them together, in the right order, so a choice made in one area doesn’t quietly create a cost in another.
Most advisory relationships center on managing an investment portfolio for a fee — asset allocation, performance, rebalancing. Income planning centers on coordination instead: how the accounts get drawn down, how the documents line up, how the business transfers, and where insurance funds the gaps. Global Investment Strategies doesn’t manage portfolios. We coordinate the strategies around them, working alongside the advisor you already have.
Very possibly — and not because they're doing anything wrong. Your CPA is responsible for the return. Your attorney is responsible for the documents. Both can be excellent and neither is engaged to check that your beneficiary designations match your trust, or that your buy-sell is funded, or that your withdrawal order won't trigger a Medicare surcharge. Those gaps sit between professionals rather than inside any one of them, which is exactly where coordination lives.
With an inventory rather than a recommendation. The first conversation is usually just mapping what exists — documents, designations, policies, agreements, accounts — and looking for the places they disagree. Most people are surprised by at least one contradiction, and finding it costs nothing. Only after that does it make sense to talk about changing anything.
No, though it matters more as the picture gets more complicated. If your wealth is mostly in one illiquid business, or spread across accounts with different tax treatments, or headed to heirs through several different documents, the coordination question is already live. If your situation is genuinely simple, we’ll tell you that — it’s a short conversation and an honest one.
The first review is a single conversation. Mapping what you already have usually takes a few weeks, depending on how quickly documents surface. Actually implementing changes runs longer and involves your other professionals, because their work has to move with it. Nothing here requires a decision on the first call — the point of the first call is to see the whole board clearly.

One conversation, the whole board

See where your seven pieces disagree

No pitch and no product. The first conversation is an inventory — your documents, designations, policies, agreements, and accounts, laid out together so the contradictions have somewhere to show up. Most people find at least one. You leave knowing what it is, whether or not you ever work with us.

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No obligation · Coordinated with your professionals · Tucson, Arizona