Retirement Planning
Enjoying a financially secure retirement will not happen by chance, yet many people spend very little time dedicated to understanding how they will fund their retirement. Many assume or hope that their 401(k) plan and Social Security will be sufficient. It is not unrealistic to expect to live 20 or even 30 years in retirement, so do you know what you need to do in your working life so that you don’t outlive your assets?
When planning for retirement there are many key questions, such as:
- How do you envision your lifestyle in retirement?
- What percentage of your current income level will you require in your retirement years?
- How will you fund your retirement?
- What is the best way to invest your retirement savings?
- When will you begin receiving Social Security checks?
Our Approach
We position retirement planning within the context of total wealth management. Our detailed analysis of your unique situation involves understanding what is most important to you, identifying the risks you face and calculating how much income you will need annually during retirement based on your required standard of living and estimated inflation rates. We help you devise a comprehensive plan, which when implemented and carefully monitored helps to ensure your future security and peace of mind. Our approach to investing your savings is to construct a diversified portfolio, which will help to increase your financial security during retirement.
There is a confusing array of retirement saving vehicles available. Some of the options include 401(k) and Profit Sharing plans, Pensions, SIMPLE Retirement plans, SEP IRAs, Traditional IRAs, Roth IRAs, Keogh plans and Tax Deferred Annuities. We assist you by providing answers to a myriad of questions that arise based upon your unique situation. We help to explore your retirement savings options based on the following life stages:
- For individuals in the accumulation years
- For individuals in the distribution years
Our Aim
You deserve to retire with dignity and financial peace of mind. We do not take for granted our role of trusted advisor, but earn your confidence by vigilantly guarding your interests.