Field note 02
Household coordination · 4 min read
Retirement planning is a household-coordination problem, not an account problem.
Most people do not retire from one account. They retire from a patchwork: pension choices, an old 401(k), a current 401(k), IRAs, Roth balances, taxable savings, and Social Security timing.
By Dan Zimon · February 24, 2026
A lot of advisory work is still framed one account at a time. That is too narrow for the households Camba is built to serve. The real question is how the whole balance sheet behaves together when withdrawals begin.
That means coordinating pension elections, Social Security timing, Roth and traditional balances, taxable assets, and cash reserves into one plan. It also means looking at sequence-of-returns risk at the household level, not just asking whether one account looks aggressive or conservative on paper.
This is where a second set of eyes is worth having. The bottleneck is not usually information. It is coordination.