If you’re already retired, congratulations! This should be one of the best periods of your life, yet we understand that for many people, it can be stressful thinking about whether you’re going to be all right.
At this stage, you don’t want to spend your money too fast and end up outliving your savings. You need a plan that comprehensively addresses your concerns and goals so you can feel confident you’ll be OK.
You may have questions such as:
Have I saved enough money?
Can I continue to afford the lifestyle I am living?
Which accounts should I withdraw from first?
How do I minimize my taxes?
Regarding my retirement plan, should I choose a lump sum or pension?
What happens to us if we have a recession?
When should we take our Social Security benefits?
What happens to our Social Security if my spouse dies?
How do I pay for health care prior to Medicare?
Which Medicare supplement do I choose?
We still have a mortgage, should we pay it off?
What is the best way to buy a second home?
Our adult children need help. How much is too much?
How can I make sure to cover any needs for long-term care?
Our Wills are outdated, does that matter? What should we do?
What legacy do I want to leave?
How do I want to be remembered?
Our fee-only advisory firm will work with you on a retirement plan to help give you the confidence to spend, invest, and preserve your assets according to your needs and your goals. With a plan in place, it can be easier for you to feel comfortable living your best life, whether that means taking that dream vacation you’ve been putting off or providing a gift to your children or grandchildren without jeopardizing your retirement savings.
When you work with us, we will review where you are as well as your hopes and goals for retirement. We’ll then build a detailed financial plan to help make sure your ongoing expenses are covered and plan for potential unforeseen ones too. We’ll help you determine how much to withdraw from your retirement or brokerage accounts, and in what order, to help minimize any potential tax impact.
Your financial plan will include fiduciary management of your investment portfolio to make sure the asset allocation and risk level match your changing needs in retirement.
Our goal is to help build the retirement you’ve worked hard for and help provide the confidence and freedom for you to enjoy every day of it.
Schedule a 15-Minute Discovery Call
As a fee-only RIA that prides ourselves on upholding our fiduciary obligation, we want to help you make the decisions that best serve you and your family, not us. We focus on working with only those clients we know we can help, so we like to start with a complimentary, 15-minute call to discover how we can serve you. We’ll discuss your situation and explore whether we’re a good fit for each other.
