Retirement Planning

Are you confident in your plan, or are you just hoping for the best?

Retirement Projections - Do you know how your plan would hold up under adverse market conditions (like in 2008)?


A sound retirement plan requires more than just finding your "magic number" or reading about a sustainable withdrawal rate. We structure detailed retirement plans based on how they would likely be impacted by varying market scenarios.




401k/Pension Guidance - Do you understand the differing payout and rollover options offered by your pension or 401k?


How you choose to receive your distributions, when you choose to receive them, and the survivorship option you select for your beneficiaries are all important decisions we help with along the way.




Social Security Analysis - Do you understand how recent legislation has changed rules related to spousal benefits?


You can begin your own Social Security benefits any time between age 62 and age 70. We analyze the different options available to you to determine the strategy that is most beneficial to your retirement plan.




Required Minimum Distributions - Do you understand how IRS requirements can complicate a retirement plan?


These IRS requirements may make retirement planning more complex once you reach the age of 72, especially if you are the owner of multiple retirement accounts. We help our clients calculate and distribute the required amount to help avoid the 50% penalty for missing the RMD deadline.




Partial Roth Conversions - At the beginning of retirement, will you have a period of time where your taxable income may be lower than past years?


If so, you may want to consider a partial Roth conversion. We identify when these opportunities may exist and assist with the process.




Basic Estate Planning - Are you confident your financial affairs are in order?


If they are not, probate can be costly and time consuming. Taking simple steps such as ensuring that your life insurance and investment accounts are titled correctly and have the proper beneficiaries can simplify the burden for your family. We also work closely to coordinate with estate attorneys on more complex matters such as wills and trusts.




Tax Planning - What type of year-round tax planning are you doing?


No one wants to pay Uncle Sam more than they are required to do so. Are you aware of how your investment accounts are taxed differently? We help our clients understand why certain investments should be held in certain accounts and not in others. We also help you identify which type of accounts you're eligible for that may lower your tax bill (IRAs, HSAs, 529s, Donor Advised Funds).





Retirement Projections - Do you know how your plan would hold up under adverse market conditions (like in 2008)?


A sound retirement plan requires more than just finding your "magic number" or reading about a sustainable withdrawal rate. We structure detailed retirement plans based on how they would likely be impacted by varying market scenarios.




401k/Pension Guidance - Do you understand the differing payout and rollover options offered by your pension or 401k?


How you choose to receive your distributions, when you choose to receive them, and the survivorship option you select for your beneficiaries are all important decisions we help with along the way.




Social Security Analysis - Do you understand how recent legislation has changed rules related to spousal benefits?


You can begin your own Social Security benefits any time between age 62 and age 70. We analyze the different options available to you to determine the strategy that is most beneficial to your retirement plan.




Required Minimum Distributions - Do you understand how IRS requirements can complicate a retirement plan?


These IRS requirements may make retirement planning more complex once you reach the age of 72, especially if you are the owner of multiple retirement accounts. We help our clients calculate and distribute the required amount to help avoid the 50% penalty for missing the RMD deadline.




Partial Roth Conversions - At the beginning of retirement, will you have a period of time where your taxable income may be lower than past years?


If so, you may want to consider a partial Roth conversion. We identify when these opportunities may exist and assist with the process.




Basic Estate Planning - Are you confident your financial affairs are in order?


If they are not, probate can be costly and time consuming. Taking simple steps such as ensuring that your life insurance and investment accounts are titled correctly and have the proper beneficiaries can simplify the burden for your family. We also work closely to coordinate with estate attorneys on more complex matters such as wills and trusts.




Tax Planning - What type of year-round tax planning are you doing?


No one wants to pay Uncle Sam more than they are required to do so. Are you aware of how your investment accounts are taxed differently? We help our clients understand why certain investments should be held in certain accounts and not in others. We also help you identify which type of accounts you're eligible for that may lower your tax bill (IRAs, HSAs, 529s, Donor Advised Funds).





Are you confident in your plan, or are you just hoping for the best?

We Would Love to Hear From You!

Whether you are looking for a new advisor, would like to hear about our 401(k) plan solutions, or would just like some more information, please send us a message below.

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