Providing efficient strategies for preserving wealth and growing family wealth

Retirement Planning

Retirement Investment Planning Prioritizes Asset Growth

Retirement investment planning puts your savings to work for you by developing an individualized investment portfolio with asset growth potential. The sooner you get started on investing before you retire, the better you’ll be positioned to reap the benefit of compound earnings and other financial opportunities.

To create your individualized portfolio, we analyze your personal financial situation, your risk tolerance, and your long-term goals over a 20-to-30-year retirement. Once we review this information with you, we develop a plan with recommendations for the most suitable mix of investments to achieve a strategic balance of risk and return.    

The Advantages Of Working With A Registered Investment Advisor (RIA)

As Registered Investment Advisors, we are legally bound to work in the best interest of our clients and provide you with full transparency. Our knowledge and experience enables us to help you develop a comprehensive, well-rounded retirement plan:   

  • Tax planning: Our strategies are designed to help lower your tax burden in retirement by determining how and when your nest egg is taxed by the federal government.
  • Future healthcare costs: We can develop a retirement plan that addresses the ever-rising cost of healthcare and unexpected expenses that may not be covered by your health insurance.
  • Legacy planning: An estate plan is a crucial component of preparing for retirement. We focus on protecting your assets with a plan that leaves a lasting legacy for your loved ones. 
  • Making informed decisions: We provide you with the comprehensive information you need to make fully-informed decisions and avoid common and costly retirement-planning mistakes. 

With a well-balanced retirement investment plan in place, you’re able to live life on your terms. Enjoy the lifestyle you’ve envisioned when you’re no longer working. Plus the financial confidence that comes with knowing you’ll be financially secure throughout the years to come.

A Committed Partnership

It’s about building a trusting, long-term relationship based on mutual respect. We’re always here to address your questions, concerns, and any life changes that may require adjustments to your retirement investment plan.

Your Will ensures all of your assets are distributed the way you want. Without one, the court will decide how your assets will be divided. And if you have young children, it enables you to choose their guardian – not the family court. Keep in mind – a Will only covers property subject to probate. Assets that fall outside of probate that require naming a beneficiary are not subject to probate court.

A revocable Living Trust can be used to manage your assets if you become incapacitated and unable to make decisions. You can name a person you can count on as your Successor Trustee who can take over management of your assets until you are able to do so yourself. You can include instructions on how to distribute the trust assets after your death which makes a Living Trust a dual-purpose estate planning tool.

Did you know a General Power-of-Attorney document is null and void if you become incapacitated? That’s right – when you’re unable to make your own decisions, a Power Of Attorney document must include the term “durable” to show your intent and remain in effect. With a comprehensive DPOA, your selected agent can make decisions about your property, finances, investments, paying your bills, and sign documents on your behalf until you’re able to do so yourself.  

Advance Healthcare Directives help ensure your preferences for medical care or end-of-life treatment are respected. The official titles vary from state to state that’s why important to check your state law. These types of documents include:

  • Living Will
  • Durable Power of Attorney for Health Care (also known as Medical Power of Attorney or Health Care Power of Attorney)
  • Designation of Health Care Surrogate, or Health Care Proxy
  • Advance Directive – combines a Living Will and Power of Attorney for Healthcare

Life insurance is also an important component of your estate plan. It can provide tax-free protection for beneficiaries and it does not fall under the jurisdiction of probate court. In addition to being another asset in your estate plan, it helps eliminate the burden on your survivors who may need to cover immediate expenses related to your death.

Ready to Take The Next Step?

For more information about any of the products and services listed here, schedule a meeting today or give us a call.