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Retirement Planning Priorities
Planning for retirement
When it comes to your financial future, the most important factor in your favor is your age.
We take advantage of the time you have, regularly contributing to tax-advantaged retirement accounts and potentially boosting savings with matching funds offered by your employer.
One important goal should be to begin building up enough assets to meet your needs throughout retirement – accounting for factors like increased longevity, healthcare costs and inflation.
To make this goal a reality, you need a plan. That’s where we can help. However the financial environment or the course of your life changes, we can assist in managing your cash flow and allocating your resources to help you reach both your short- and intermediate-term goals without endangering your long-term plans.
Almost to retirement
As you approach the end of your career, it’s natural to have questions about what comes next.
Working together we can find the answers, identify and address any concerns you may have, and update your estate plan to reflect your current wishes.
We start by identifying your short- and long-term goals:
- When do you want to retire?
- Where do you want to live?
- How will you spend your days?
Next, we estimate income and expenses for the life you’re envisioning, taking into account the unexpected and other obligations so they won’t catch you unprepared.
If you need to play catchup, we find the best way to do so, typically by making larger contributions to your retirement accounts or possibly cutting back in other areas. We also discuss your Social Security and Medicare options with you, so you’ll be ready as soon as you’re eligible.
In retirement
With the right plan, we bring your vision of retirement into sharper focus, so you can enjoy the lifestyle you want and deserve.
The planning and review doesn’t stop once you start your retirement. Our guidance continues, as we evaluate your current situation, helping you stay on track to pursue all you’ve envisioned from retirement.
We make the most of your assets and income streams by creating a steady and sustainable income strategy. If necessary, we can consolidate accounts to effectively help recreate the predictable cash flow of a steady paycheck.
We also make sure you have the proper up-to-date documentation to help ensure your legacy is preserved and wishes are respected. As your life changes, so will your plan. We will review your plan and make adjustments, as needed, along the way.