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IMAGINE A RETIREMENT WHERE YOU FEEL CAREFREE LIKE A CHILD AGAIN








TALK TO AN ADVISOR

RETIREMENT:  A Time to Celebrate All the Hard Work that Led You to This Joyful Occasion.

(If You Planned Properly) 

Time is of the Essence! If Any of These Questions Apply to You, Let’s Talk! 

ACCUMULATION GOALS AND STRATEGIES


• How long must I work and when will I have enough money to retire?


• How much can I spend during retirement and not run out?


• How much do I need to invest every year to get to my goal and which pot of money should I use first?


• Do I have the correct allocation of my 401(k)?


• Taxes worry me, is there anything I can do to avoid them?


• I hear of ETF’s, managed accounts, sector funds, which are right for me?


• How can I avoid taking a big hit right before retirement?


• How should you allocate your money to cover a potential 30-year retirement?


• If it is better to keep my money in the company 401(k) plan, or to roll it out?


• When should I take Social Security?


• Can I spend some of my 401(k) money before age 59 ½?


• Should I pay off your mortgage before I retire?


• How do I navigate the company benefits packages?


• Should I exercise stock options, SARs, and Restricted Stock (RSU)?

ESTATE PLANNING AND RISK MANAGEMENT


• How can I get my estate planning up to date? Or how do I set one up?


• Do I need a trust?  Or, I have a trust, but its outdated, how can I re do it?


• How can I decide who my successor trustee should be? A family member, or a corporate trustee?


• Do I need a general power of attorney? Or possibly a “springing” power?


• Is my Advanced Health Care Directive still valid?   Who should be my agent?


• Do I still need life insurance after I retire?


• What are the pros and cons of group life insurance?


• Will my children have to pay an estate tax when I die?


• I do not ever want to be a burden to my children, how can I guarantee my independence?

BIG PICTURE PLANNING


• I do not have a Comprehensive Financial Plan; can you help me?


• Can you help me identify and quantify my goals?


• Can I maintain my standard of living during retirement?


• I want to plan my ideal retirement, can you help?


• How can I educate and protect my children from making poor financial decisions?

LEGACY PLANNING


• I would like to create an education fund for my grandchildren, is the 529 the best way?


• I would like to leave a legacy for my children and grandchildren, what are my options?


• What are the benefits of charitable trusts, donor advised funds, or gifts?


• As I get older, I think about my legacy, how can I make a difference?






READY TO PLAN YOUR DREAM RETIREMENT?





TALK TO AN ADVISOR