Retirement Planning
Retirement planning is one of the main things we do. Every person should plan for their retirement. If you are like most people, you will need a mix of investments, social security, and personal savings to retire. We can advise you on the best strategies for accumulating the wealth you will need to maintain your standard of living.
We will meet with you and listen to your goals. Our job is to then help you meet those retirement goals within the time period you desire. We will use our proprietary models to estimate how you can most effectively save for retirement within the bounds of your risk tolerance. We will consider your income needs up to and in the retirement period. Our report will set forth multiple options for you to retire and how you can get there.
We will educate and inform you about the various 401(k)s, IRAs, Roth accounts, HSAs and other retirement accounts we can use. We can help you determine when the best time is to take Social Security, how much you will receive from a defined benefit pension and how best to allocate your assets to maximize pre and post-retirement returns. We can assist you in choosing the distribution method of your pension.
Retirement Planning Services We Offer
We can also help you with enrolling in Medicare, securing health, disability or long-term care insurance and titling your assets to make sure that they go to the person or charity you intend.
We will assist you with rollovers, if appropriate. We can limit your taxes by coordinating the withdrawals from your retirement accounts. Our rollover/triple bucket strategy will help you maximize your tax-free accounts and lower your RMDs. We can advise you on when you must take an RMD and how much you must take.
We can make sure you avoid unnecessary taxes and penalties. We can assure you when you get nervous because of sub-optimal market performance.
Retirement planning is difficult. Let us assist you with it, so that you can have a prosperous and dignified retirement.