RETIREMENT STRATEGIES
Whether you're approaching retirement or simply planning ahead, the need for a continuous, reliable income stream is crucial. Our goal is to help you establish a strategy that ensures your financial security throughout your lifetime. With our comprehensive suite of services, we guide you on a path to a worry-free retirement, providing the support and experience needed to avoid outliving your money.
Personalized Service
Your wealth management advisor will create a customized retirement plan tailored to your unique financial situation, goals, and risk tolerance.
Professional Knowledge
Our retirement income professionals bring extensive knowledge and skill in financial strategies, investments, tax strategies, and retirement accounts.
Ongoing Monitoring
Our professionals continuously monitor your retirement income plan and make adjustments as needed based on changes in your financial situation, market conditions, and goals.
Long-Term Financial Health
Working with us helps ensure your long-term financial health. We assist in planning for healthcare costs, inflation, and other potential challenges, ensuring your retirement savings last a lifetime.
Common Questions
What is a Lifetime Income Strategy?
A Lifetime Income Strategy, also known as Income Allocation, is a plan designed to provide you with a steady income stream throughout your retirement. By diversifying your income sources, we help ensure you have reliable funds for your entire retirement period.
What is the difference between a Traditional IRA and a Roth IRA?
A Traditional IRA allows you to contribute pre-tax dollars, which can grow tax-deferred until you withdraw them in retirement. In contrast, a Roth IRA is funded with after-tax dollars, allowing your contributions and earnings to grow tax-free. Each has its benefits depending on your current tax situation and future financial goals.
How do 401(k) and 403(b) plans fit into my retirement strategy?
Both 401(k) and 403(b) plans are employer-sponsored retirement accounts that allow you to save and invest a portion of your paycheck before taxes are taken out. These plans often come with employer matching contributions, making them a valuable component of your retirement strategy.
What are Defined Benefit Plans?
Defined Benefit Plans, often known as pension plans, promise a specified monthly benefit upon retirement. This amount is typically calculated based on your salary history and years of service with your employer. These plans provide a predictable income stream, which can be a key part of your retirement planning.
How can Fixed Annuities and Fixed Index Annuities benefit my retirement plan?
Fixed Annuities offer a guaranteed payout at regular intervals, providing stability and predictability to your income. Fixed Index Annuities, on the other hand, offer returns based on the performance of a specific market index while protecting your principal investment from market downturns. Both options can be used to create a more secure and diverse retirement income strategy.
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