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Retirement Planning

Whether retirement is far away, or on the horizon, it is important to be clear about what it will take to retire, and what your retirement lifestyle may look like. The more time you have, the better you will be able to plan. That said, there are critical choices that need to be made before, at, and in retirement, and it is truly never too late to evaluate with the help of a trusted and knowledgeable advisor.

There are two phases to retirement planning. In the first – the accumulation phase, we will work with you to understand your vision of retirement, and to determine what it will take to accomplish your goal. Our conversations will help uncover a thorough understanding of the lifestyle you intend to live, your existing and projected resources, your tolerance to risk, and many other factors. In the accumulation phase, you will be systematically saving toward your goal(s). We will actively monitor your progress and meet with you regularly to make changes to your strategy, as needed.

As you approach the second phase of retirement planning – known as the distribution phase, we will work with you to develop the most tax-advantageous and efficient strategies for drawing upon your retirement funds. Again, we will look at many factors, including your need, tax status, social security income, the economic climate, and much more.