Retirement Planning

In prior decades retirement income needs were covered primarily by the government and employers—through social security and pensions. Over the years, however, the responsibility for meeting retirement income has shifted from government agencies and employers to individuals. This responsibility, coupled with an increase in life expectancies and a decrease in the average age of retirement, means that, for most individuals, retirement will be the longest, most important life event they will ever face.

By evaluating your current financial standing we can help you create a strategy that will help to ensure a desired retirement lifestyle.  A successful plan put into place during the wealth-building lifespan should address ways to maximize growth and tax-efficient distributions, as well as how to leave retirement assets to the next generation.

There are several ways to save for retirement including the following:

  • Qualified employer-sponsored plans (401k, 403b, 457b, SEP, SIMPLE IRA)
  • Individual retirement accounts (IRAs)
  • Personal savings
  • Executive deferral plans

It's important to have a strategy for your withdrawals so that you can help your savings last through retirement. The correct distribution method will help to ensure that your retirement savings last beyond your lifetime with minimum shrinkage from taxes. From premature distribution options that allow access to retirement assets prior to age 59½, to products intended to provide stable monthly payments for retirement, distribution planning is paramount to a successful retirement plan. 

By working with us, our clients are able to reach a level of security, comfort, and peace of mind that their vision of retirement can be achieved.