RETIREMENT PLANNING

In the last decade, retirement planning has become very complex and difficult. Reaching your financial milestones during these uncertain times of market volatility, low interest rates and skyrocketing long term care costs can be a difficult task. With so many retirement decisions to be made, our goal is to give the client a peace of mind knowing we will do everything to make retirement planning less stressful.

Today, people are often hesitant and rightfully so, of seeking advice from banks, insurance companies and investment firms because they offer products that may or may not be in your best interest. Rest assure, we focus on what's best for our clients every step of the way. Our approach is like the Swiss Army knife; we believe that every product has a time and place for you. We do not push the "one-size fits all" approach that so many other advisors tend to do.

These are some of the things to consider when approaching your retirement:
  • When to start the planning process of your retirement. We use "The 5 year Mark approach."
  • Knowing the difference between Asset Accumulation and Asset Preservation. Growing and Saving.
  • How much will my pension, 401K or retirement pay me and last? 10 years, 20 years, 30 years or a lifetime.
  • Do I rollover or transfer my 401K plan from work when I retire? Yes, most of the time.
  • What if I get sick or disabled? Long term care, Disability or income protection may be needed.
  • What about Social Security payments? When do you need to start collecting.
  • Are my assets, estate and other things of value to me protected? Do you have a Living Trust? Estate Plan?
  • Is it too late to start planning? It's never too late but don't procrastinate either. 
  • What about taxation and how much will I have to pay each year? Uncle Sam is waiting for his money too.
These are just a few questions, let alone worries you will have as you approach retirement. It is never too late to ask questions or to sit down with one of our experts. Our advisors can take a look at your current situation, assess and make recommendations if needed.

          PLEASE CONTACT ONE OF OUR REPRESENTATIVES TODAY FOR YOUR FREE CONSULTATION.