A well-planned retirement will give you confidence as you head toward retirement, and freedom to live the life you want when you are no longer working. Saving for your retirement throughout your working life is essential for gaining such confidence and freedom, and even more important if you wish to leave assets to the people and causes you love.

We develop a personalized, structured retirement plan that you can begin implementing now, to ensure the type of retirement you want and the legacy you want to leave, through these services:

• Understanding what type of retirement you would like, what you would like to be doing in retirement, such as travelling or taking on new hobbies, and what level of income you will need to support such a lifestyle, adjusted for inflation
• Determining how much, if anything, you would like to leave to the people and causes you love
• Determining how much saving you will need to do now to support your desired lifestyle in retirement, and to have the assets left at the end of your life that you would like to leave to the people and causes you love
• Assessing your current financial position and how close you are now to your retirement goals
• Developing a personalized retirement plan that takes you from your current situation to your desired level of retirement savings, by growing your retirement funds through a variety of saving, investment, and risk management strategies
• Analyzing and managing your investments to optimize your long-term savings while managing risk, minimizing your tax burden over your lifetime, and accounting for inflation
• Projecting your income in retirement to account for all sources of income, from your investment accounts, social security payments, and any pensions and annuities you may have
• Regularly assessing the likelihood of success of your retirement plan using Monte Carlo projections, which randomly test your plan in numerous potential future market conditions
• Identifying and helping you to purchase annuities, when appropriate
• Facilitating IRA contributions and Roth conversions
• Providing tax analysis to determine the best sequence for taking withdrawals from your investment accounts in retirement, to reduce capital gains and income taxes
• Ensuring that you take your Required Minimum Distributions (RMDs) from traditional IRAs, 401(k)s, 403(b)s, and 457(b)s
• Assisting with long-term care planning, charitable giving, and estate-planning
• Establishing retirement plans for businesses, self-employed persons, and nonprofit organizations and foundations

Explore how we can help you with your retirement strategies