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.
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.
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.
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