Retirement planning is one of our most requested services. The transition from making money to income distribution is not easy today with the virtual disappearance of pension plans and the uncertainty of social security. Across all income levels clients are asking the question, “Do I have enough to retire?”
- Financial Planning
We believe the only real way to answer the retirement question is to make a financial plan that weighs your needs in retirement against your projected assets and income streams. Retirement planning is optimally done years before you wish to retire so you have time to make any needed adjustments. As you get closer to the finish line, plan updates can provide reassurance that you are still “on track.”
- Still Working?
We review employer retirement plans (such as a 401(k) or 403(b)) to make sure that they are properly diversified, at the correct risk level and that you are maximizing your tax deferred benefit.
- Small Business Owners
We can assist you in establishing retirement plans that are appropriate based on your goals, the size of your business and cash flow. From SIMPLE and SEP IRA’s to Individual 401(k)’s and Defined Benefit plans we will recommend and help you implement the optimal plan for you and your employees.
- Social Security Benefits
We will evaluate your unique circumstances and provide you with guidance on how to optimize your Social Security benefits over your lifetime and the life of your spouse.
- In Retirement
Once you are fully retired, we will create an income stream from your portfolio to support your retirement lifestyle and review your plan periodically to gauge your success.