Resources For Retirees
We specialize in income distribution planning for retirement because a comfortable retirement requires more than simply the accumulation of assets. It involves addressing a complex set of decisions regarding pension benefits and Social Security, as well as creating a strategy for drawing income from your investments. All this while keeping in mind the many risks and unknowns retirees face.
Income distribution planning
Income distribution planning involves the transitional process of taking assets from the accumulation phase (working years) and converting them to the distribution phase (retirement years). Thus, creating a strategy for turning assets into income that you can use during retirement.
Segment 1: Immediate Income)
Using low-risk and/or guaranteed account options to fund immediate income.
Segment 2: Future Income
Using mid-term assets matched with mid-term liabilities helps create a bridge between income in segment 1 and segment 3. This allows time for segment 3 to grow.
Segment 3: Long-Term Growth
By withdrawing assets from segment 2 & 3 during the first half of retirement, segment 3 is left to grow untouched in more aggressive, growth-focused investments and will be used to satisfy long-term retirement needs
Investments in securities do not offer a fix rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions and, when sold or redeemed, you may receive more or less than originally invested. No system or financial planning strategy can guarantee future results.
Social Security
What is your benefit? Our first priority is helping you understand your full financial picture. To help us better understand your situation you can use the link below to visit the Social Security Login page. On this site you'll be able to view your current benefit amount and access your previous Social Security statements.
Medicare
Our team member Michael explains what Medicare covers and how it could benefit you in retirement.
Medicare Reference Guide
We cannot forget to account for the cost of health care in retirement. Health care can be complicated but we can assist you in pursuing a better understanding of Medicare and what it means for you. Click the link below to view a reference guide to learn more.
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