FINANCIAL PLANNING & INVESTMENT ADVISORS
Upcoming Retiree: Navigating the Transition with Confidence
Financial planning and investment management that delivers on clarity, confidence, and accountability for upcoming retirees.
TRU. FINANCIAL. PLANNING.
Helping Bring Your Financial and Life Goals Together
Upcoming Retiree Financial Planning
As you approach your late 50s and early 60s, the dream of retirement is no longer a distant vision but an imminent reality. You’ve spent decades diligently saving and investing, and now you stand at a critical crossroads: the shift from accumulating wealth to decumulating it. This transition from saver to spender is one of the most significant financial and emotional changes you’ll ever face. It’s also where our financial planning services provide immense value, helping you confirm if you have enough and creating a clear, actionable roadmap for your next chapter.
Are You Financially Ready to Retire?
The Retirement Readiness Checkup
Optimizing Your Income & Wealth
Tax-Smart Withdrawal Strategies
One of the most complex aspects of retirement is managing the tax consequences of your withdrawals. We help you build a tax-efficient withdrawal strategy by analyzing the imbalances in your accounts—like Roth, Pre-tax, and Brokerage accounts. We’ll determine the most efficient order to withdraw from these accounts to minimize your tax burden throughout retirement and preserve your wealth for as long as possible.
Social Security & Benefit Maximization
Choosing when to claim Social Security is a permanent decision with major financial consequences. We provide a thorough review of your claiming options, explaining the tradeoffs between an early, full, or delayed claim. For couples, we examine various strategies to maximize your combined lifetime benefits, which can add up to tens of thousands of dollars.
Health Insurance Planning
Your healthcare costs in retirement can be one of your largest and most unpredictable expenses. We’ll help you navigate the complex world of health insurance before and after you become eligible for Medicare. We’ll discuss different premium levels and coverage options to ensure you have a clear understanding of your future healthcare costs.
Securing Your Future & Legacy
Investment Portfolio Management
As you enter retirement, your investment strategy needs to evolve. The focus shifts from aggressive growth to preserving capital and generating stable income. We’ll examine your asset allocation to determine the appropriate level of risk for your needs, factoring in your time horizon and inflation. We’ll manage your portfolio to help ensure your money lasts as long as you do.
Long-Term Care and End-of-Life Planning
We factor in the potential for long-term care expenses, which can be a significant drain on retirement savings. By planning for these costs, you can protect your assets and maintain your financial independence. We also discuss end-of-life expenses and how they factor into your overall financial picture.
Estate Planning Basics
Retirement is the perfect time to ensure your legacy is in order. We work with you to double-check that your beneficiaries are properly designated on all of your accounts. We also confirm you have the foundational estate planning documents in place, such as a Financial Power of Attorney, Health Care Directive, and a Last Will and Testament, to ensure your wishes are carried out and to provide peace of mind for you and your loved ones. We also discuss the potential of a Trust to even further secure the transition of wealth for your loved ones.
Our Specialties
Comprehensive Financial Planning
Investment Planning
Retirement Planning
Insurance Planning
Estate Planning
Tax Planning
Business Planning
Education Planning