Services / Retirement Planning

Retirement Planning

Retirement Looks Different for Everyone. Let’s Find What Works for You.

We’ll help you figure out how much you need to save and the best way to do it. Whether it’s deciding between different types of accounts or balancing short-term needs with long-term goals, our personalized advice is here to guide you. Your retirement is unique, and so is the plan we’ll build together.

  • Contribute pre-tax dollars now and pay taxes upon withdrawal, potentially lowering your current taxable income.

  • Make contributions with after-tax dollars, allowing for tax-free withdrawals in retirement, provided certain conditions are met.

  • Employer-sponsored accounts that let you save pre-tax income, often with potential employer matching contributions.

  • Designed for employees of non-profits and public schools, these plans function similarly to 401(k)s with specific benefits for educators and non-profit workers

  • Available to state and local government employees, these plans offer tax-deferred savings with unique catch-up contribution opportunities.

  • Simplified Employee Pension plans are ideal for self-employed individuals or small business owners seeking higher contribution limits.

  • The Savings Incentive Match Plan for Employees is tailored for small businesses, combining ease of setup with employee contribution options.

  • Perfect for self-employed individuals without employees, this plan allows for higher contribution limits and flexible investment choices.

FAQs

  • Retirement planning ensures you have a clear strategy for achieving financial freedom and maintaining your desired lifestyle. It helps you prepare for future expenses, manage risks, and avoid outliving your savings.

  • The amount depends on factors like your lifestyle, current savings, and expected expenses. We work with you to estimate these needs and create a plan tailored to your unique situation.

  • The sooner, the better. Starting early allows more time for your investments to grow. Even if you’re close to retirement, strategic planning can help maximize your savings and optimize your income.

  • We start by understanding your goals, reviewing your current financial situation, and projecting future needs. Then we design a personalized strategy, including investments, tax planning, and income management, to support you throughout retirement.

  • Proper retirement planning includes strategies to ensure sustainable income throughout your life. We help you manage risks like outliving your savings by creating diversified income streams, including pensions, Social Security, and investments.

  • Yes. We guide you through Social Security claiming strategies to maximize your benefits and help you plan for Medicare coverage and healthcare costs, ensuring your plan accounts for these critical areas.

  • We create strategies to convert your retirement savings into a steady income stream. This includes managing withdrawals from your accounts, optimizing for taxes, and balancing risk and return to preserve your wealth.

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Retirement Account Options: 401(k), IRA, and More
Retirement Account Options: 401(k), IRA, and More

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