Retirement Planning

Practice Can’t Make Perfect:

Your Retirement

You only get one chance at retirement; make sure you are on track to have the retirement you always wanted. We guide clients between the two great sins in retirement planning:

  1. Running out of money before you run out of life.

  2. Leaving behind a big pile of money instead of memories.

Retirement Planning is More Than Just Investments

Your advisor should not be solely focused on picking and managing your investments. We proactively guide clients in every aspect of your retirement to maximize your retirement lifestyle while managing the risk of running out of money.

Maximizing Your Lifestyle

We believe retirement is about maximizing your retirement lifestyle, not maximizing your portfolio balance when you die. We begin by understanding and exploring your ideal retirement lifestyle and calculating what it will take to get there.

Investing for Retirement

We utilize ultra-low-cost funds to create a portfolio designed to achieve your retirement goals without betting on any one company, industry, or country. We believe no one can predict the future, so we construct portfolios to optimize for return & risk regardless of future market conditions. And we adjust and manage your portfolio based on what has happened, not what we think might happen.

Multi-Decade Tax Planning

Taxes play an enormous role in optimizing your retirement. Minimizing taxes based on tax law and your personal financial projections is an integral part of maximizing the money available to you throughout retirement. Decisions today that result in a small increase in current taxes can save significantly more on taxes throughout your lifetime.

Confident Spending in Retirement

You should live your legacy, not leave one. Our goal is to give you the confidence and peace-of-mind to spend on enjoying your retirement while you are healthy, knowing there is a plan to provide for your ‘older’ self.

What Retirement Planning Includes:

  • Inflation-adjusted retirement cash flow projections
  • Optimizing retirement savings rate (monthly & annual contributions)
  • Optimizing retirement spending (maximizing responsible spending level)
  • Investment Portfolio Management
  • 401(k) and workplace plan advising
  • Social Security, Medicare, and Pension analysis and claiming
  • Lower life-time and retirement tax burdens
  • Tax-efficient asset location
  • Statistical Modeling of your finances to and through retirement
  • And more...

Book an introduction call with a Certified Financial Planner® to create your personalized retirement plan.

Schedule a Call