For Current Retirees

Interest rates are low, the stock market is volatile, tax rates may rise, the Social Security system is weakening, and you do not want to go back to work.  Retiring can be very fulfilling but from a financial standpoint, it is a whole new world that brings its own risks.  Drawing cash flow from a portfolio is much different than saving into a portfolio.  Our process identifies to what extent you are exposed to these risks and creates a plan that can help you manage these risks over your lifetime.

We have a process to help maintain your standard of living.  We will help you formulate appropriate answers to questions like these:

• How long will my money last?
• How will I cover my health care expenses?
• What would it take to retire early?
• Should I take pension payouts or a lump sum?
• When should I exercise options?
• Should I rollover my 401(k)?
• What if my pension or Social Security benefits are cut?
• Will I be able to live in this house for the rest of my life or should I consider a move to a senior living facility?
• Should I convert to a Roth IRA?
• What if the tax code changes adversely?
• Should I be more or less conservative with my investments?
• Should I be taking more or less from my IRAs and other retirement accounts?
• What if one of my children or grandchildren needs help?
• How do I keep an inheritance from spoiling one of my beneficiaries?
• How do I leave a bequest my daughter can use but would be off limits to her good-for-nothing husband?
• I have always been the primary investment person for our family. How can I assure my spouse is taken care of when I am no longer filling this role?
• Could I afford to make a large donation to my church or a charity?
• Can I afford to help with a grandchild’s college funding?  What exactly should I do?

Financial success doesn’t come from chance, luck or coincidence – but from developing and implementing a disciplined plan.