Retirement & Income Planning

Am I saving enough now to generate the income needed for the lifestyle I want in retirement? That is the burning question for most people—and one we help answer. We work with you today to make sure you are contributing enough to comfortably meet your retirement needs.  Then when the time comes, we will help you select and execute the best funding strategy for your goals.

Retirement planning today has taken on many new dimensions that never had to be considered by earlier generations. For one, people are living longer. A person who turns 65 today could be expected to live as many as 20 years in retirement as compared to a retiree in 1950 who lived, on average, an additional 15 years. Longer life spans have created a number of new issues that need to be taken into consideration when planning for retirement.

Proper retirement planning consists of two stages: the Accumulation/Contribution phase and the Income/Distribution phase.

With the variety of options and the complexities of different plans along with the uncertainties of longevity and the rising cost of living retirement planning can be overwhelming. Our expertise in retirement planning serves to help simplify the complex and put you on the proper path.

In the first stage (the accumulation or contribution phase), we offer asset allocation and tax solutions to help our clients pursue their retirement goals.

In the second stage (the distribution or income phase), we offer budgetary and income strategies to track and adapt retirement income solutions, factoring in the three main sources of retirement income: Social Security, individual or employer-sponsored qualified retirement plans and personal savings and investments so that we help our clients not only work towards making it to retirement, but through retirement as well.