Retirement Planning

Retirement Planning should begin in your 20’s.  As many academic studies have shown, the earlier you start the more likely you are to achieve your goals.

Once a person reaches their 50’s and 60’s, they need to start managing their assets to optimize their cash flow needs in retirement. The worst place in the world to retire is just beyond your means.

Our clients approach us with the following questions on a regular basis:

  • At what age can I comfortably retire with the lifestyle I want to enjoy?
  • Will I outlive my resources?
  • How should my portfolio’s assets be allocated?

Retirement planning strategies should be designed to suit your goals and comfort level as well as to take advantage of tax saving opportunities.  For any plan to be effective, it is necessary to implement these strategies and to periodically review your goals and progress.

In order to assess your ability to comfortably retire, we review your current retirement assets, including IRA’s, 401(k)’s, deferred compensation plans, pensions, and non-qualified accounts.  By analyzing your cash flow and spending habits and by considering tax implications and inflation, we can help you develop a comprehensive retirement plan to reach your goals.