Broker Check

Retirement Planning

Retirement is often seen as the end-goal or the pinnacle achievement.  However, that’s just the beginning of the rest of your life.  We recognize the importance of planning financially, emotionally, and mentally for this change in lifestyle.  Simply put, planning for retirement is more than just a number.

Pairing your unique goals and aspirations with an understanding of tax laws and your income sources is a careful balance that is best understood through a plan. We work with you to help you realize your desired retirement experience without the stress of money.  As your retirement goals take shape, we layer in the financial needs analysis to optimize cash flow, minimize taxes, and help create long-term lasting wealth.

From a financial perspective, retirement is multifaceted.  We must both ensure cash flow today for living expenses, while also looking at the next 10, 20, and 30 years of life after work.  We balance this through annual cash flow planning, spelling out each year where funds will be drawn to minimize long-term taxes.  This cash flow analysis helps to minimize long-term tax risk through an optimized tax management process. 

Medicare premium brackets and Social Security taxation brackets are often overlooked or ignored by many taxpayers.  Through careful cash flow planning you can minimize unnecessary expenses and taxes. 

Retirement should allow you to live your best life.  We recognize financial stress can keep you from that goal, and we’re committed to helping you avoid this stress through our retirement planning process. 

Some questions you should consider:

  • Where does my purpose come from today?  If work, what will give me purpose after I’m no longer working? 
  • Who are the people I want to surround myself with in retirement?  What do I want to accomplish?  Where do I want to go? 
  • How do I view retirement?  Is it with fear?  Is it with anticipation?  Are my feelings towards retirement healthy, or do they cause me stress?
  • Where will my next paycheck come from after I retire?
  • What’s the right decision when it comes to Social Security and Medicare?
  • How do I strategize retirement income in the most tax-efficient manner?
  • Are there certain dates or ages that I need to be aware of in retirement?
  • Who is helping me make decisions in these areas?

Have a Question?

Thank you!
Oops!