RETIREMENT INCOME PLANNING
MAKING SURE YOU DON'T OUTLIVE YOUR MONEY.
Do you hold any old retirement accounts, from prior employment situations, that are sitting dormant?
It’s possible that these funds could be growing more fruitfully if you rolled them into your current 401(k) or 403(b) plan. We can help you determine whether a rollover would help you, and help you perform this maneuver. |
Social Security benefits aren’t as cut-and-dry as you might imagine. You will face a number of important decisions regarding your benefits, that will affect your monthly benefit amount for the rest of your life.
Come visit us for a no-obligation analysis, and we can review your Social Security options with you. |
In addition to Social Security, you will need another form of income that lasts for the rest of your life.
If you’re worried about outliving your money – a very real possibility these days – then allow us to show you different ways to establish a lifetime, guaranteed stream of income. |
If you have saved money in a tax-advantaged retirement account, you will begin taking distributions at some point. Some retirees put off these distributions as long as possible, to allow their principle to grow longer before withdrawals begin. But at age 70 ½, the IRS requires you to begin taking distributions.
Your Required Minimum Distributions must be carefully calculated to avoid any penalties, and you should structure them correctly to avoid excess income taxes. We can help you make these calculations and determine the best strategy for your distributions. |
Your tax situation might change dramatically in retirement. Withdrawals from your retirement accounts will be subject to income taxes, and you might be surprised to learn that even Social Security benefits can be taxed.
Meet with us before you retire, so that we can analyze your tax situation and help prevent any unpleasant surprises. Together we can put together a strategy to minimize your tax burden. |
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