Retirement Planning
Saving efficiently, controlling risk, & giving less taxes to the IRS.
Understanding your desires and goals helps coordinate and focus the retirement planning process. This includes what you ‘do’ & what you ‘don’t want’ to occur. Ensuring you receive an analysis with recommendations that are tailored to your individual/unique and specific needs.
Retirement analysis and planning involves the following:
- Cash Flow - Planning for both the accumulation and distribution phases of retirement.
- Debt - service - For mortgages, student loans, & etc. causing a negative impact on Cash Flow.
- Market Risk - For invested assets & what type of economy you will inherit at retirement.
- Tax planning - & diversification for investments, assets, retirement accounts, and estate.
- Health Care & Long Term Care - Needs impacting Retirement Assets.
- Social Security planning
- RMD’s/required minimum distributions
- Estate planning considerations
- Insurance planning & risk management
- Family special needs planning considerations
