Retirement Planning
Let our professionals help you retire comfortably and with confidence.
You're ready to retire, but how about your finances?
Whether you are in the planning stage, making the transition now, or are already there, retirement has a lot of moving parts. Throughout retirement, you’re faced with important decisions that will determine your financial security and lifestyle for the remainder of your life. Many of your choices can be complex and irrevocable. Transitioning into retirement takes thoughtful preparation and it should be done in a coordinated and comprehensive manner.
Our retirement planning services are designed to help you simplify the complicated, make smart and informed decisions, and avoid costly mistakes. You’ve worked hard to save for your post-career life, we welcome the opportunity to help you ensure a comfortable and secure financial future.
We Help Answer Your Important Questions:
- When can I retire? How do I ensure I don’t run out of money?
- When is it best to collect Social Security?
- How and when should I take my Pension distribution(s)?
- What level of lifestyle will my income and assets support?
- How do I replace my paycheck with income from my assets?
- Which investment accounts should I draw from first?
- Are my investments appropriate for my situation?
- How can I ensure Health Care coverage including Medicare and Long-Term Care planning?
- How do I minimize taxes? Are Roth IRA Conversions appropriate?
- And many, many more…
Don't Let Health Care Costs Sneak Up on You!
It’s not easy to plan for and estimate what your medical needs may be years from now or how your costs may change. However, we can help you be prepared and consider options available to you, which may include:
Hover an icon for more info
Medicare
Medicare
Nearly all Americans enroll in Medicare when they reach age 65. To make smart decisions about your health care, it’s important to understand the options available to you and how they could affect your individual situation. We can help evaluate plans best suited to your situation
Long-Term Care (LTC)
Long-Term Care (LTC)
Consider buying long-term care or other supplemental insurance, such as life or liability, to cover expenses not included in Medicare. The best time to purchase a policy is usually in your late 50s to early 60s. If still employed, also consider disability insurance
Health Savings Account (HSA)
Health Savings Account (HSA)
Make the most of a HSA's tax advantages by maximizing your contributions. Whatever you don’t spend from your HSA stays in your account and can build for years. If needed, the money can be withdrawn tax-free for approved medical expenses, and if not, it can be invested for retirement. After 65, you can withdraw funds for any reason without penalty, but you’ll have to pay income tax
Age Related Milestones
Certain retirement planning events are triggered at specific ages, such as when you can begin drawing on Social Security or when you are required to take IRA distributions. Keep these important birthdays in mind as you approach and progress through retirement:
59.5
62
65
67
70
72, 73, or 75
need objective advice regarding your retirement plan?
You’ve worked hard to save for your post-career life, contact us to help ensure a comfortable and secure financial future.