Retirement Planning
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.
RMD Strategies
Creating a “Required Minimum Distribution” strategy when you turn 73. We will evaluate your accounts and help you determine how to handle the 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.
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 while monitoring the impact that saving and investing can 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.