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Retirement Planning

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

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.

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.

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 a strategy that we feel is most beneficial to your retirement plan.

These IRS requirements may make retirement planning more complex once you reach the age of 70 ½, 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.

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

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.