Pre-Retirees

Pre-Retirees

Retirees - Father + SonRetirement is a Beginning,
Not an End

Leaving the workforce after years of investment in your career is one of the greatest changes that will happen in your life. It’s perfectly natural to feel both excitement and trepidation at the prospect of such a major adjustment. Common questions that arise are “Can I afford to retire?”, “Will I run out of money?” and “What will I do with my time?” We can help you prepare for retirement by addressing these questions, and by proactively identifying other issues and opportunities you might not have considered.

For over 25 years, we’ve helped to guide successful people just like you through this significant milestone in life. Let us put our experience to work for you.


Planning for RetirementSound Planning Leads to Peace of Mind in Retirement

Like just about anything that is worth doing, preparing for retirement takes a little bit of work ahead of time. There are new and complex systems you need to become familiar with, like Medicare and Social Security, as well as new opportunities like travel and education. Some of the choices you’ll need to make have significant long-term implications, while others can be reversed quickly and easily.

Having a sound, comprehensive financial plan ensures that these complex systems work together. Knowing what decisions lay ahead—and how you will address them as they come up—will help you build confidence and peace of mind, so you can focus on enjoying this next stage in life.

The planning process begins with questions such as “Where are we now?” and “How do we get where we want to be?” We also address issues like “What risks might prevent you from getting there?” The result of this process is a specific, actionable plan that is tailored to you and your situation, and the risks and challenges you face. We’ll show you what options you have to achieve your goals, and how the choices you make may impact you along the way.

We refer to this as a Financial Independence Plan. Key pieces of your Financial Independence Plan include:

  • Income Planning. A plan for how you will use your resources to provide an income that is dependable, adequate, and that you are unlikely to outlive. Determine the appropriate Social Security strategy and coordinate that with other sources such as pensions, executive benefits and investment income.
  • Investment Planning. A coordinated strategy to manage savings and investments such as brokerage accounts, IRAs, 401Ks and other retirement accounts.
  • Tax Planning. Minimizing your taxes through proper management of your assets, and taking advantage of opportunities to optimize the effect taxes have on your wealth.
  • Estate/Charitable/Legacy Planning. Developing a coordinated strategy based on your estate and legacy goals and your charitable desires.

A New DirectionA New Direction

Retirement is an exciting stage to look forward to. It’s a time when you’ll finally have the freedom to do what you want, and when you want to do it. This stage of life should be the best stage of all, when hard work and responsibilities give way to enjoyment and fulfillment. You’ve certainly earned it.

Our role is to help you prepare for the changes that are coming, so that when you enter retirement, you will have the clarity of knowing what comes next, the confidence that you’ve made the right choices, and the peace of mind that comes from knowing what direction you’re going.

You’re going to love this next phase of your life.  And together, we’ll help you get there.

See how our Wealth Management Process creates peace of mind.