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Retirement Planning

Planning for retirement can be complex and overwhelming. We offer you help to achieve a secure, comfortable retirement so that you can sit back, relax and enjoy the important moments in life. We focus on your situation by asking and/or answering some key questions: When can you retire? How much will your expenses be? Do you have any special plans after retirement? What tax bracket are you in now? What tax bracket will you be in when you retire?

We help prepare a plan for you that fits your needs. We understand that each client’s situation is different, therefore, we do not take a cookie cutter approach and do not assume each client in a certain income level, risk tolerance level or tax bracket should be treated the same. We want to help you be in control and to understand all of the key factors of your retirement.

Some of those key factors that have to be taken into consideration include average annual expenses, potential return on your investments, health care costs, property taxes, increased taxes on social security, required minimum distributions, tax bracket, actual tax rate, social security options, available pensions, 401k or 403b distributions, Roth IRA holdings or conversions, etc.…There is much to consider, right?  We are here to help.  We employ proven, stabilizing strategies that help create  peace of mind everyone desires in retirement. 

The most important thing to remember is to have a plan established for retirement….and that plan is best established at least ten to fifteen years prior to actual retirement. Too many people wait too long to set a plan by themselves or with an advisor. This delay can cost an individual/couple a good sum of money or some of their desired peace of mind.

Retirement planning is not a one-time event. It is an ongoing process and needs to be managed on an annual basis as we do for our Comprehensive Financial Planning clients. However, we also offer the Limited Engagement for those who would like a retirement strategy established or just a check-in. 

Retirement can be messy, but don’t worry; we’re here to help. Our goal for you is peace of mind in your long desired retirement. Refer to the Our Process page or Contact Us page for the next steps toward retirement peace of mind.