Clarifying Retirement

After years of hard work and saving, clients seek direction, clarity of thinking and a sense of confidence as they formalize a plan for the most important transition of their life.  Clients want to know if they have enough money to retire and not outlive their assets.  A planning engagement incorporates the following:

• Define life goals and purpose
• Identify and prioritize income needs
• Structure retirement income sources
  • Optimal claiming of Social Security benefits
  • Pension payout decisions
  • Sustainable withdrawals from savings
  • Employment options (if desired)
• Assess savings and investment strategies
• Present healthcare options
  • Medicare & supplemental coverage
  • Long-term care
• Evaluate tax implications
  • Income tax planning
  • Capital gains/losses & dividends
  • Asset positioning – taxable vs tax-deferred
  • Social Security & Medicare implications