Retirement Planning

Retirement Planning starts with an assessment of today with a vision for the future. We work with our clients to create a detailed financial plan that considers age, income, lifestyle, spending, tax bracket, and investment experience. Other important items include future social security claims, insurance needs, healthcare planning, and inflation.

Creating a detailed, written financial plan is essential for staying on track to a comfortable retirement. Your life and goals will change over time. A financial plan serves as a benchmark for maintaining flexibility with an eye toward achieving goals in retirement or the future.

What we help our clients accomplish:

To clarify retirement goals and timelines
Assess retirement readiness based current savings/investment rates
Help to understand the appropriate plan/individual retirement savings vehicles that will make retirement a reality with an eye toward tax planning
Social security optimization and when to start taking distributions
Beneficiary planning strategies
Tax efficient withdrawal strategies. This area becomes more critical as the IRS continues to revise long standing sections of the tax code
Understanding longevity and investment returns with variable withdrawal strategies