Retirement: For most of us, it's the biggest single financial goal—and the one that requires the most funding by far.
Yet with corporate pensions disappearing and Social Security on shaky ground, the onus of preparing for retirement is increasingly shifting to individuals. The responsibility can be daunting. Indeed, an estimated 99% of Americans are not adequately prepared for retirement.
We use our expertise to project the amount of money you will need to support the retirement lifestyle you desire. We provide guidance about how much you should be saving toward retirement today. And also advise you on:
As you near retirement, we work with you to create a retirement budget. We also create a plan that allows you to start drawing retirement income in a safe, conservative manner. Proper planning and wise investing: They are the best way to ensure that you enjoy the retirement you envision.
We also look at tax planing in retirement. For example, impacts of drawing Social Security, drawing a pension or annuity, and the impact of an RMD (Required Minimum Distribution) from your retirement accounts.