Retirement

Planning

"Find the best retirement plan for you and your family..."

Retirement planning looks different for everyone. It no longer means you stop working and "ride off into the sunset." It could mean that or a new job you have always wanted to do or even extensive travel.

Nowadays, people are working and living longer which means there are several life events that can happen between now and the day we call retirement. 

 

We take a lot of the guess work out of retirement planning by accounting for life's unexpected events. Our retirement planning process is an ongoing process that combines the financial and emotional decision-making behind retirement!

Social Security Strategy

"I'll take my social security now because it won't be there for long..."

Social Security plays a big role in retirement planning. There are different types of benefits that can be paid out and different rules that may cause your benefit to increase or decrease.

 

While your instincts may tell you to claim your benefit early to reap the benefits as soon as possible, that may not always be the best strategy. 

 

We help answer the questions that involve maximizing your social security claiming strategy by taking the estimated amounts of your benefits, your age, your marital status, and other retirement factors that need to be considered in the decision making process to claim social security benefit.

Pension/Annuity Analysis

"Should I take a partial lump sum distribution from my pension..."

Some employers still offer a pension or an annuity in lieu of a 401k plan. These are guaranteed fixed-income streams for the rest of our lives, however, life is not fixed.

 

Some may want more flexibility during retirement down the road and consider taking out a partial lump sum from their annuity to reinvest. How does that affect your retirement future? 

Each pension and annuity is different and has its own sets of rules and formulas. We analyze those rules for you and consider the possible outcomes of your retirement plan if you withdraw from your annuity or pension to make an educated irrevocable decision  easier for you.

 

QUESTIONS WE HELP ANSWER

Am i SAVing ENOUGH?

is an annuity still right for me?

SHOULD I ROLLOVER MY 401k INTO AN IRA?

should i purchase a long-term care policy?

WHEN CAN I RETIRE?

When should I take SOCIAL SECURITY?

how much should i withdraw from savings?

i'm already retired, will my savings last?