Our process begins with the most important factor concerning your retirement – YOU!
Let’s face it, everybody’s different; your plans and goals for the future may be completely different from that of your friends and colleagues. Over the past 30 years of working with your fellow employees, we’ve learned how to take our clients through the process of retirement in a systematic, but customized manner.
Your pre-retirement meetings are free and without obligation. Let us help you get to retirement!
Four Steps to Success
During our initial discovery meeting, we’ll get to know you and your family and your goals for the future. We’ll review your preliminary numbers and discuss what retirement might look like for you. But we’ll also address your most immediate needs: whether that is reducing debt, increasing your savings, or rebalancing your investments to reduce risk.
This step begins the first of several strategy meetings especially designed to put a finer point on your retirement. We’ll review many of these financial topics designed to help you retire successfully:
Pension and 401(k)
We’ll review your company-provided estimates and determine if you can retire now, or if you should wait a while longer.
We’ll review ways to reduce your post-retirement tax bill.
You’ll be provided with a strategy that you and your spouse can use to potentially add thousands of dollars in lifetime income to your Social Security benefits.
Pre-retirement Investment Strategy
We’ll help you develop an investment strategy appropriate for your retirement date.
We’ll review your overall estate plan and help you identify potential pitfalls. We’ll call on the expertise of CPA’s, attorney’s, and other professionals when such services are necessary.
Pre 59 ½ income planning
If you are forced to make a retirement decision before age 59 ½, we’ll help design an income program that can allow you to avoid the 10% tax penalty for early withdrawals.
As your retirement date draws closer, we’ll refine our estimates and modify your goal projections as necessary. We’ll finalize a portfolio strategy that is appropriate for you.
This is just the beginning! It looks like a lot to think about – and it is – but we’ll follow our process and be there to help guide you all the way through.