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Retirement Planning

As you prepare for retirement, you might find yourself focusing on reaching a particular savings goal. Perhaps you set this goal years ago, when you first began saving for your future, or maybe you landed upon a target number more recently. In either case, your top priority is making sure that you can afford your standard of living in retirement, in addition to travel or any other hobbies that you might pursue.

While it’s great to work toward a goal, remember that retirement planning involves much more than saving a particular amount of money. You will be making many more decisions along the way, and these issues deserve your equal attention.

Social Security Options

Social Security may be one of the most important decision you will make when it comes to planning for retirement income. Plus, how and when to claim your benefits is not as cut-and-dry as you might imagine. You will face a number of important decisions regarding your benefits that will affect your monthly income for the rest of your life.

Come visit us for a no-obligation analysis, and we can review your Social Security options with you.

Pension Analysis

Are you lucky enough to have a pension, and if so do you know what it's actually worth? If you have a pension, understanding the value, lump sum and monthly income, can play a key role in developing a solid retirement income plan.

Combined with our other retirement planning services, a pension analysis can be a valuable tool to plan for a secure future

Investment Optimization

Learning to balance risk versus rewards is one of the most important aspects of investing. Our team of experts will analyze the potential risks of your investment portfolio, and work to ensure that you don’t take on more risk than is justified by the upside of your selections.

Lifetime Income Planning and Lifetime Income Guarantees

In addition to Social Security, you will need another form of income that can last for the rest of your life.

If you’re worried about outliving your money – a very real possibility these days – then allow us to show you different ways to establish a lifetime stream of income.

Required Minimum Distribution Analysis

If you have saved money in a tax-advantaged or "qualified" retirement account, you will begin taking distributions at some point. Some retirees put off these distributions as long as possible, to allow their principle to grow longer before withdrawals begin. But at age 70 ½, the IRS requires you to take distributions.

Your RMD must be carefully calculated to avoid any penalties, and you should structure them correctly to avoid excess income taxes. We can help you make these calculations and determine the best strategy for your distributions.

Tax Planning

Your tax situation might change dramatically in retirement. Withdrawals from your retirement accounts will be subject to income taxes, and you might be surprised to learn that even Social Security benefits can be taxed.

Meet with us before you retire, so that we can analyze your tax situation and help prevent any unpleasant surprises. Together we can put together a strategy to minimize your tax burden.

IRA, 401(k) and 403(b) Rollovers

Do you hold any old retirement accounts, from prior employment situations, that are sitting dormant?

It’s possible that these funds could be growing more fruitfully if you rolled them into your current 401(k) or 403(b) plan. We can help you determine whether a rollover would help you, and help you perform this maneuver.


You worked hard for your retirement, let us help you address these retirement issues and answer any other questions you might have about being ready for retirement.


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