We’ll help guide you to and through retirement.
You spent years working hard, saving, and dreaming of this time in your life. We can help make it even better than you imagined.
Retire Your Way in 3 Easy Steps
As you work with us, we'll help you:
Connect
Connect
Connecting with you helps us understand where you are and where you want to go. We want to learn about your retirement vision or how you plan to spend your time in retirement. We also want to talk about what you’ve done so far to plan for retirement and your biggest concerns. As we connect, we can determine if our customized retirement planning process can add value to your current situation.
Strategize
Strategize
Developing strategies that maximize your retirement savings includes analyzing some key aspects of your portfolio. We will assess your investment risk, fees, Social Security benefits, potential tax-saving strategies, and more. After we strategize about what needs to be done to build your RetireSecure Roadmap, we can make a mutual decision about whether to continue planning your retirement together.
Plan
Plan
Together we will work on a strategy for each of the six pillars of retiring and incorporate them into your RetireSecure Roadmap. The organization and transparency of this written plan can guide you confidently to and through retirement and ease the anxiety you may have about this transition. The plan can be updated if your retirement vision or life circumstances change. Then you can spend your time focusing on all the fun you will have in retirement!
RetireSecure Roadmap
After helping hundreds of families to and through retirement, we’ve learned a thing or two about what makes for a successful retirement. Our experience led to creating the RetireSecure Roadmap, a set of guiding pillars we use to develop customized retirement plans. The RetireSecure Roadmap is our recipe for success. It allows us to take the elements of your life and build a plan to cover six essential areas:
We help you develop this part of your retirement plan by asking what you want to do in retirement. How do you want to spend your time? Then we talk about the fun stuff you've been dreaming of, like the hobbies you want to start (or get back to), the places you want to travel to, and how you will spend more time with the grandkids. We discuss the RV you may want to buy or your plan to volunteer or work part-time.
Knowing what you want your lifestyle to look like in retirement will guide many of your other retirement decisions.
Your lifestyle plan will:
- Help you determine how much money you need to live the lifestyle you want in retirement
- Outline a plan for how you are going to spend your money and your time
- Serve as the starting point for all your other retirement decisions
Developing a plan for how you are going to live in retirement is the foundation for developing a plan to pay for retirement. The lifestyle pillar of your RetireSecure Roadmap is the best place to start putting together a customized, comprehensive, written plan for your retirement.
In retirement, you still need income. Instead of getting a paycheck from your employer, you now rely on your retirement savings to fund your lifestyle. You may be wondering, do I have enough saved to pay for retirement? You are not alone. People with retirement savings of all sizes worry that they don't have enough saved to fund their lifestyle, beat inflation, pay for health care, and leave a meaningful legacy.
Your income plan will:
- Outline a strategy for spending, including from which accounts and in what order to make the most of your retirement savings
- Include a Social Security election strategy that considers the big picture to help you maximize your benefit
- Build-in strategies for inflation, one of the most often-overlooked aspects of retirement planning
Developing an income plan will give you confidence that you won't run out of money in retirement. Your RetireSecure Roadmap will put this plan in writing so you can see how you will turn your retirement savings into retirement income.
Your investment plan should be customized to you and your retirement vision. We do not take a cookie-cutter approach to investments. We want you to feel comfortable with your investment decisions and understand the purpose behind each part of your investment plan. Our goal is to help you understand the potential risk, return, and, most importantly, the "why" behind each strategy.
Your investment plan will:
- Help you understand how your portfolio will react to market swings
- Include a recession-resistant strategy that doesn't rely on the markets
- Have built-in action steps for when markets are down
Your investment plan should also be built with fees in mind. Fees are an inevitable part of investing, but we often take steps to help you reduce the fees you currently pay on your investments. We assist you in building a transparent investment plan and better understand the fees behind the investments.
Unfortunately, taxes don't go away in retirement. In fact, they can put a big dent in your retirement savings without the proper planning. A long-term tax plan can help decrease your tax bill and increase how much you get to spend in retirement.
Your tax plan will:
- Help you develop a long-term tax plan
- Build in strategies that help reduce your overall tax bill in retirement
- Include details you only have to think about in retirement such Social Security taxes, Required Minimum Distributions (RMDs), and how to minimize taxes on pre-tax accounts (like a traditional IRA or 401(k)
You have more control of your taxes in retirement than you think. A long-term tax plan will not only outline your tax savings but also help you understand how to invest, spend, and pass on your money in the most tax-efficient way in retirement.
Your plan to pay for health care should not be independent of your plan to pay for retirement. Why? The two impact each other more than you may realize. For example, Medicare premiums are based on your taxable income. Since you have more control over income in retirement than you've ever had before, there may be strategies you can use to lower taxable income. That's just one example of how your health care plan should work together with your RetireSecure Roadmap.
Your health care plan will:
- Help you elect Medicare Part A and B and find the supplement that's right for you
- Include a plan to pay for long-term care if you should need it
- Account for the rising cost of health care
We also help many people develop a plan to pay for health care if they want to retire before they are eligible for Medicare. When you have a plan that shows you how your health care decisions work together with your income, investment, and tax plan, you have a customized and comprehensive plan for retirement.
The legacy pillar of your RetireSecure Roadmap covers two essential aspects: 1) if you are married, your desire to make sure that your spouse is taken care of when you pass, and 2) if you are single or the last of a couple to pass, what will happen to your assets when you are gone. It's essential to develop a plan that ensures that what is left goes to your loved ones or charities efficiently.
Your legacy plan will:
- Ensure retirement account beneficiaries are updated
- Help you determine whether you need a will or a trust
- Incorporate tax-savings strategies that allow you to further your legacy
A well-written legacy plan, complete with the necessary legacy documents, can take your hard-earned money and extend it to make an impact on generations to come. If you don’t set your legacy up correctly now, it can have lasting effects for years to come.
Now that you know what's included in a comprehensive plan, take the next step on your journey to retirement. Register for our complimentary online Journey to Retirement Workshop below.
You will have a front-row seat as a hypothetical couple, John and Sue, make decisions on income, taxes, investments, health care, and legacy that help them live out their retirement vision.
Plus, they make a Social Security deicison that gives them an extra $80,000 to spend in retirement - you don't want to miss it!
Join us for a Complimentary Journey to Retirement
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Your Way?
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