Retirement Planning
Securing the future
Where will your retirement income come from?
For most people, it’s a combination of qualified retirement plans, Social Security, personal savings, and investments. The key to successful retirement planning starts with estimating how much money you’ll need to maintain your desired lifestyle. From there, we help you take a closer look at your potential income sources, and then ensure you have a sound strategy to support your retirement goals.
Planning for your future
It can be tempting to see retirement as a “finish line”: no more long workdays, long commutes, or stressful deadlines. But it is really a starting line: the start of a new phase of life. Ideally, you cross the “finish line” knowing what comes next, what will be important to you in the future.
Ideally, you retire when you are financially, emotionally, and psychologically ready. Why you are retiring is as important as when you choose to retire. When you are motivated to retire, you see retirement as a beginning rather than an end.
Pre-Retirement Checklist
Retirement Budget
Understand what your income will be, and how you can confidently spend the money you have accumulated for retirement.
Emergency Savings
Tax Strategy
Have a sound tax strategy to guide you through the process of spending money from both taxable and tax-deferred accounts.
Lifestyle & Location
Consider where you’ll live, both short- and long-term. Have a plan for funding a move and understand the timing involved.
401k Strategy
Have a strategy for your 401(k) plan and determine the best time for you to access the money, based on your goals.
Bucket List
Write down your personal goals for your retirement years. Explore your dreams, priorities and values.
Extended Care
Make arrangements in the event that you or a loved one encounters a health issue requiring full-time care.
Estate Strategy
Develop an estate approach that includes how you want your assets to be allocated, and who will handle your estate.
Health Insurance
Understand your options with Medicare and define a strategy for covering health care expenses for the long haul.
Social Security Strategy
Have a sound tax strategy to guide you through the process of spending money from both taxable and tax-deferred accounts.
Ready To Start
Put a century of combined experience to work and reach out to our team to help you with your financial future.