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Retirement Planning

What We Can Do For You
  • Planning for the desired retirement lifestyle
  • Social Security planning and optimization
  • Pension rollover analysis
  • Impact of market fixed income rates on pension lump-sum values
  • Lump-sum or annuity analysis
  • Recommended strategies employer sponsored retirement plans including 401(k), 403(b), 457, thrift savings plans, among others
When planning for retirement, there are a multitude of factors involved in developing a successful strategy. We work with you to analyze key factors such as desired lifestyle, retirement goals, and estate planning. Additionally, we can help determine optimal Social Security strategies and assist with other government run benefits programs.
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Desired Retirement Lifestyle
One of the most important factors to answer when planning for retirement is determining your desired lifestyle.
This includes asking yourself questions such as:
  • "Do I want to move when I retire?"
  • "What is the cost of living when I retire?"
  • "What bucket list items do I want to put money aside for?"
  • "How high should I expect my medical costs to be?"
  • "What is my family history of longevity?"
Determining these important questions is the first step in securing your retirement, and we can help iron out these and many other important questions.
Social Security Planning And Optimization
When planning retirement, the decision on when to begin taking Social Security can seem daunting given the myriad of rules surrounding your benefits. If you qualify based on your own earnings, then most likely your full retirement age (FRA) will be 67. However, you can delay benefit commencement until age 70, which will increase your Social Security benefit. Alternatively, you can begin your benefits early at a reduced amount. Each of these choices can impact the total lifetime benefits received for you and your spouse.
Choosing the correct path involves running several scenarios, as well as making assumptions on life expectancy for you and your family. We can help you answer these difficult questions and guide you through this process of evaluating different decisions.
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