Broker Check

Retirement

Where will your retirement money come from? If you’re like most people, qualified-retirement plans, Social Security and personal savings and investments are expected to play a role. Once you have estimated the amount of money you may need for retirement, a sound approach involves taking a close look at your potential retirement-income sources.

How to Retire Early

How to Retire Early

Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.

Your Nest Egg

Saving for retirement is likely one of your most important goals. We work with our clients to understand what is most important to you so that we can  then design a plan to meet your short, medium and long term objectives. We will help you figure out how much you need to save, where it should be invested, and then monitor the investments for maximum returns within your risk tolerance. 

A Customized Solution

We use all of the tools available to design and implement a plan not just to get you to retirement, but through retirement. We will build a tax efficient plan that meets your needs, is professionally managed, and allows you to sleep at night. 

Frequently Asked Questions

I have a 401k at work, is that all I need?

A 401k is usually a good start, especially if your employer offers any kind of match. Other tools are available that give you more flexibility during retirement and can lower your tax burden even further. We use tools such as a Roth IRA, annuities and universal life insurance when appropriate. 

How can I make my retirement plan more tax efficient?

The two main factors that will make your retirement plan tax efficient are preparation and flexibility. Most retirement accounts have annual maximum contribution limits, so it’s important to start early. Also it becomes very beneficial to have several types of accounts that are taxed differently so you can pull from whichever one is most efficient that year based on your spending needs. 

What other retirement plans are available?

There are many types of retirement plans that are available which is what we look to implement in your portfolio. Some examples are SEP, Simple, Profit sharing plans, Defined benefit plans etc.  Each person gets a tailored approach to what plan is the best option for them.

Timing Your Retirement

Timing Your Retirement

This short video illustrates the importance of understanding sequence of returns risk.
Learn More
The Cost of Procrastination

The Cost of Procrastination

Don't let procrastination keep you from pursuing your financial dreams and goals.
Learn More
Traditional vs. Roth IRA

Traditional vs. Roth IRA

One or the other? Perhaps both traditional and Roth IRAs can play a part in your retirement plans.
Learn More