Retirement Planning

A key to successful retirement planning is that you create a realistic plan that encompasses your employment years when you are accumulating wealth as well as the years after you have retired and no longer receive a paycheck.

Accumulation Years

While you are working is the exact time you should be planning your accumulation of wealth to guarantee a comfortable future for later years. Together, we will evaluate your current financial position and then create, revise, or enhance your accumulation plan both to help you live well today and in the distribution phase of life.

Today, as we are living longer, retirement is spanning decades. Planning for retirement should be a cornerstone of your financial plan. Your customized plan must reflect your specific circumstances and your specific options. An employee, partner, and a self-employed individual all have uniquely defining circumstances which must be analyzed. We can help you make sense of the financial landscape which is so confusing at this phase of your life.

Distribution Years

We will provide expert guidance on the various choices you can make to maintain your standard of living when you are retired. As part of our analysis for a successful distribution plan, we will consider your projected income from all work-related sources (i.e., 401(k), 403(b), SIMPLE or SEP) and your anticipated social security payments. An in-depth review is also done on the projected income from investment sources such as stocks, bonds, trusts, CDs, and dividends. Our distribution plan will also incorporate your estimated cash flow while taking into account projected post-retirement health care needs, Medicare expenses, supplement health insurance, long-term care insurance, inflation, and minimizing your tax burden.