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Retirement Planning

How We Can Help You with Retirement Planning

Our Mission

There’s a lot of advice about saving for retirement, including saving 10% to 15% of your income, and maxing out your 401(k) or 403(b) before putting money into an IRA. General financial advice isn’t necessarily bad, but it might not provide you with the best solution. Your financial situation and your goals for retirement may not be the same as those of your neighbors. 

We can help you come up with a plan that’s personalized for you. What if you want to save for retirement but are also trying to put your kid through college? What if your income changes every month because you’re running your own business? And how much do you need to save up to retire in style, anyway? We’re here to help you answer those questions.

Look at Your Expenses

Most people claim your expenses will go up when you retire because of healthcare costs. While medical expenses are often higher for older people, you might save a lot of money by not going to work, too, such as money spent on gas, clothes, and going out to eat. As a retiree, you’ll have more time to cook at home and save money on food. You won’t sit in traffic and waste money on gas. Car maintenance expenses go down, too. When you’re retired, you also get to take advantage of senior discounts at a variety of establishments. 

The biggest expense is usually housing. Once the kids move out, you can downsize to a smaller place and live in an area of town that also has the entertainment you enjoy, whether that’s bingo, golf, or your local library. Saving for retirement doesn’t have to be an insurmountable obstacle. There are a lot of options available to you that allow you to live on much less when you retire than what you’re currently earning at your job.

Of course, your expenses are closely connected to the lifestyle you envision for yourself in your retirement. If you hope to travel to all those places on your bucket list during your first few years of retirement, you’ll no doubt have higher expenses during those years. It’s important to consider your lifestyle goals when we’re planning out your expenses so that you can ensure you have the cash flow you need to achieve those goals.

Evaluate Your Income Sources

<span style="font-weight: 400;" data-mce-style="font-weight: 400;">Evaluate Your Income Sources</span>


Even with pared-down living expenses, you’re always going to need some type of income to pay for taxes, utilities, and groceries. Depending on your situation, you may have a couple of different income sources. Some people have access to a pension from a previous job. You may also have a 401(k) or 403(b) and an IRA. Finally, there’s Social Security income, which you can withdraw from as early as age 62. 

How much you receive in retirement benefits also depends on how old you are when you retire. We can analyze the current state of your different retirement accounts and help you determine what your monthly income would be. The next step is to decide where and how we need to supplement with an individual retirement account or other option.


We’ll help you to examine all of your potential retirement income sources and plan for how to best utilize them to support you during your retirement years. Whether that means delaying your Social Security benefits, taking a bulk payment from your pension, or any other combination of income sources, we’ll ensure that you have steady cash flow throughout those years.

<span style="font-weight: 400;" data-mce-style="font-weight: 400;">Make Saving for Retirement a Priority</span>

Make Saving for Retirement a Priority

One piece of advice you’ll hear from everyone is to make saving for retirement a priority. This truly applies to everyone. Don’t ignore it. You can get started with saving for retirement when you’re working at your first job. It’s never too early.

On the flip side, it’s never truly too late, either. Even if retirement is approaching fast, there are still things you can do to prepare for it. For example, you can contribute extra money to your retirement funds; the IRS allows catch-up contributions for individuals who are over the age of 50. 


Often, the biggest issue with saving for retirement isn’t people’s inability to save. Instead, it’s more about knowing what to do with the money. That’s where we come in. We will help you sort out your financial situation and set up the right investment accounts to prepare you for retirement.

Let’s Create a Retirement Plan for You

As your financial advisors, we pride ourselves on creating personalized retirement plans for our clients. We look at your financial situation, your goals, your dreams for the future, as well as your limitations. Then we create a plan that helps you build up wealth without putting yourself or your family at risk. 

We also help you figure out how to withdraw from your retirement accounts when it’s time to harvest, to maximize your return on investment. Call us today and talk to us about your financial situation. We’ll create a retirement plan that’s customized for your goals and your needs, so you can retire with confidence in your future.

Get On Track Today!

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