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Retirement Planning

“Life is more than a paycheck.” – Stephen Smith

After a lifetime of hard work, you deserve a comfortable, gratifying retirement. Our mission is to ease your worries and help you create a sound financial strategy that provides a steady paycheck for life — plus a “playcheck” that allows you to enjoy fun, inspiring experiences in retirement.

As part of our retirement planning process, we'll help you create an income plan that balances:

  • Expenses for daily living
  • Budgets to support luxuries and quality of life
  • Strategies to maximize your Social Security benefits and pension withdrawals
  • Methods for addressing medical expenses
  • Plans to address unexpected life events

Creating a Tax-Free Retirement

Did you know up to 85% of your Social Security may be taxable?

The good news is, in retirement, you can now control just how much taxable income you have each year. Through forward-thinking tax planning, we can help you preserve your assets by choosing the right strategies and vehicles for getting the most out of your Social Security, pension, and investments.

As retirement specialists, we’re here to help you orchestrate a plan for maximizing your retirement while minimizing your taxation — using every rule in the book.

Planning for the Unexpected

To have a safe and secure retirement, we believe you need to know you’re financially prepared, no matter what happens. From market fluctuations to medical emergencies, life presents everyone with unanticipated challenges. We'll help to ensure you have available funds for unexpected events so that a sudden hospitalization or other challenge doesn’t derail you from your retirement goals.

Asset Allocation vs. Income Allocation

We believe the wealth management world is hurting people by asking the wrong questions about their assets. Today’s common approach leans heavily on asset allocation and asks: What group of investments will balance this client’s portfolio?

While this approach may work well when investments continually grow or for people early in their careers, we believe it is inappropriate for retirees. A strict asset-allocation perspective focuses on investing your complete financial life in the stock market. As a result, any loss or volatility could jeopardize your financial security. Plus, if you’re pulling income from your portfolio and the markets go down, you risk running out of money.

Investing is important, but we believe you must first answer a deeper question: What income do you need to feel confident in your future and support the lifestyle you desire?

We call this approach income allocation. Rather than attempting to invest all of your assets in the markets, we take a portion of your wealth and invest it in low-risk, low-volatility instruments that can support your income for the rest of your life.

Through income allocation, you will have predictable, safe income every month, no matter what happens in the economy.

Once we have covered your essential needs and desired lifestyle, we can then use the stock market to help grow the rest of your wealth without worrying that fluctuations could impact your security.

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Maximize Your Social Security Benefits

Download this free guide to learn more about making the most of the money that’s yours.