Retirement Planning

Confidence, Freedom, & Time


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The Modern Wealth Advantage

The Modern Wealth Advantage is the process of our advisors working with professionals in taxes, insurance, estate planning, financial planning and investment management to build a retirement plan for our clients to help them reach their financial goals.

If that sounds like something you’re looking for – book today.

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BUDGET

Our retirement plans begin by developing a budget for your financial needs in retirement. We review the following during the retirement planning process:

Regular expenses: Mortgage, food, gas, vehicle payments, etc.

Health care costs: Analyze and inflate health care costs separately from other costs.

Occasional expenses: Vacations, new cars, college expenses, holidays, charitable giving, new roofs, new A/C units, etc.

Legacy: What am I leaving behind by not spending?

INCOME

Next, we review your income sources.

Fixed income: Social Security, pensions, rental income, royalties.

All other assets: 401(k)s, IRAs, brokerage accounts.

Taxation: We then review your investments and income on a tax basis.

Future inheritances

SOCIAL SECURITY

Maximizing your Social Security benefits is the next component of our retirement planning process. Social Security is also analyzed from a taxation perspective.

Learn More About Our Social Security Planning Services

TAX REVIEW BY A CPA

Your CFP® professional then sends the plan to be reviewed by our team of CPAs for tax opportunities and savings. We also have our estate planning attorney review your retirement plan from a legacy standpoint for additional tax opportunities.

Learn More About Our Tax Planning Services

INVESTMENT PORTFOLIO

We then develop an investment allocation to provide the needed income stream to achieve your goals for retirement with the least possible amount of risk.

Learn More About Our Investment Services

FINAL TOUCHES

Meet with an estate planning attorney to create your integrated estate plan and review beneficiaries, trusts, wills, etc.

Meet with an insurance specialist to address your risk management needs like property and casualty, Medicare, and more.

Get the Retirement Plan Checklist

Our Retirement Plan Checklist includes 30 items to gauge your retirement readiness. Determine what to address by assessing every aspect of your retirement plan, including: 

  • Investments 
  • Taxes 
  • Risk Management 
  • Social Security 
  • Estate Planning 

Also included is an age-based timeline of events. Prioritize your retirement planning based on key decisions to make at these ages:

  •  50, 55, 59.5, 60, 62, 65, 66 – 67, 70, & 72

Get the Retirement Plan Checklist