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Retirement Planning

Today's retirement planning has taken on many new dimensions that earlier generations never had to consider. Life expectancy is increasing. Medicare costs are rising. Tax and estate laws are ever-changing. You’ve worked hard and deserve to move confidently into retirement, which is where we come in. We will work with you on a host of retirement issues, including helping young professionals accumulate assets in a tax and cost-effective way.  

Cash Flow Analysis 

The first step is advising when retirement could be financially viable. One of the biggest concerns retirees have is whether or not their assets will last them through their retirement years. We provide an in-depth and comprehensive analysis of your assets, so you can get an idea of what your future may look like. We also use this tool to strategize income distributions, asset allocation, risk considerations, and significant future expenses. 

Tax-Efficient Planning 

Tax planning is an essential component of a successful financial plan, especially retirement planning.  The tax code isn’t getting any simpler, and we feel it is imperative to discuss taxes resulting from your investments. Providing options to you for the most tax-efficient distribution plan is critical, and we continuously educate you on relevant changes in tax and estate law 

Social Security and Medicare 

Analysis on maximizing Social Security benefits and understanding what could be best for you in your situation. 

RMD Strategies 

Creating a “Required Minimum Distribution” strategy when you turn 72. We will evaluate your accounts and help you determine how to handle required minimum distributions. Our team has years of experience helping retirees understand RMDs and implementing tax-efficient ways to fulfilling these requests. 

Investment Strategies 

Most people spend most of their working years saving for retirement and focusing on wealth accumulation. We understand that the work is not done once you are in retirement. It is essential to have a plan that can easily change so that your investments align with your stage of life. Our investment team helps you understand and implement the appropriate investments for your accounts. 

Pension Analysis 

We will help you understand the different options available in your plan and provide you with analyses to determine the strategy that makes the most sense for your goals and objectives. 

Retirement Account Planning 

Whether you are just starting to think about saving for retirement or a few years away from retirement, we can evaluate your situation and determine which account type may be best, whether it’s a Traditional IRA, Roth IRA, SEP-IRA, or a SIMPLE IRA. We can also analyze rollover opportunities and if they may be appropriate for you. We can then help you implement goals for your accounts and assist you in reaching those while forecasting the impact that saving and investing will have leading up to retirement.  

5 Ways to Stay Confident in Retirement

This guide takes a critical look at the finances of retirement. It talks about health care costs, income stability, and the burden of debt and is designed to help your clients know the recipe for success in retirement.