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Retirement Income Planning

Our Process

Will you have enough? Will your nest egg be adequate to sustain your desired lifestyle? How will your budget your income to last the duration of your retirement?

Our History

When you are in retirement or approaching it, where will your income come from? What will be your sources of income and what will be your distribution strategy? 

Our Values

When will you start taking social security? What will be your strategy to take income from your personal savings, investments, IRA's, and other retirement accounts?

How We Can Help:

We can help you build a solid retirement income strategy based on your unique financial needs, circumstances, and goals whether your retirement is near or far, or you are currently retired.  Our goal is to ensure you are comfortable and financially confident that you are on the right track to achieving your retirement goals and dreams. Once you determine how much money you may need in retirement, your next step is examining your potential income sources. You may take your income from Social Security, qualified-retirement plans, personal savings, investments, or other elements from your personal retirement strategy.

Personal Savings

Saving early and often is the one the best things you can do to help work towards your retirement dreams. The quicker you begin to save, the more time you will have for your savings to grow.  Even though your retirement might seem far away, time passes by so quickly. When is the best time to start saving for your retirement?  The answer, more often than not, is TODAY!

What savings vehicles will you use to grow your personal retirement savings? If you are working, a 401(k), 403(b), 457, or an IRA could be a suitable choice. 

Types of IRA's

ROLLOVER IRA is an account that allows you to move funds from your old employer-sponsored retirement plan into an IRA. With an IRA rollover, you can preserve the tax-deferred status of your retirement assets, without paying current taxes or early withdrawal penalties at the time of transfer. 

SEP IRA plan provides business owners with a simplified method to contribute toward their employees’ retirement as well as their own retirement savings. Contributions are made to an Individual Retirement Account or Annuity (IRA) set up for each plan participant.

 SIMPLE IRA plan allows employees and employers to contribute to traditional IRAs set up for employees. It is ideally suited as a start-up retirement savings plan for small employers not currently sponsoring a retirement plan. 

ROTH IRA is an individual retirement account that offers tax-free growth and tax-free withdrawals in retirement subject to specific rules. Roth IRA rules dictate that as long as you've owned your account for 5 years* and you're age 59½ or older, you can withdraw your money when you want to and you won't owe any federal taxes.

 Retirement Account Options:

When you change companies for your retirement accounts, you have options...