The responsibility to meet retirement income needs coupled with an increase in life expectancies means that for most individuals, retirement will be the longest, most important life event they will ever face.

It is therefore never too early to evaluate your financial situation and create a strategy that will help to ensure a desired retirement lifestyle. 

What’s your best combination of retirement vehicles?



A successful plan put into place during your wealth-building years 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:

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


As you approach retirement, the correct distribution method will help to ensure that your 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 strategies intended to provide stable monthly payments for retirement, distribution planning is paramount to a successful retirement plan.