RETIREMENT PLANNING

The most common question we receive from our clients is, “When can I afford to retire?”.  You have worked extremely hard throughout your career with the goal of obtaining the financial security necessary to live an enjoyable lifestyle in retirement. 

We specialize in retirement modelling to map out a corridor of likely outcomes and to help you make sound choices within these two key phases to retirement planning:

Retirement Accumulation planning: In exchange for all the time and effort you put into your career or business, you receive a monetary compensation.  Now its time to evaluate if or when you have essentially bought enough time.  We can help you evaluate the amount of savings you should be putting away, the vehicles being used such as Retirement accounts (401k, 403b, 457), IRA accounts (SEP, SIMPLE, ROTH IRA's), non retirement accounts (trusts, investment accounts), pensions and social security.

Retirement Distribution planning: This involves determining how you should align your retirement savings vehicles given your current and future scenario into pre-tax, post-tax, tax-free or hybrid accounts.  Distribution planning should be considered even if you are in the retirement accumulation phase so that your retirement outcome is planned, ideally providing you with maximum control over future tax rates.  If you have already retired, we can help you determine how to optimally align your withdrawals from your retirement accounts, the assets or investments therein to optimize your income distribution taking into account your age, propensity for risk, longevity risk, market risk, tax situation, pensions and social security.

Irrespective of whether you are in the accumulation or distribution phase, we can help you 
allocate your investments to achieve an optimal rate of return to attain your goals, the risk/reward trade off and how it may differ from your current risk profile.  We work with:

  • Traditional IRA's
  • IRA Rollovers
  • ROTH IRA's
  • ROTH IRA conversions
  • Small business retirement planning, eg SEP IRA, SIMPLE IRA, Single 401k

Whether it is defining the specific age at which you can retire, calculating the total amount of assets needed before you can stop working, or determining your budgeted level of spending during retirement, planning for the next chapter of your financial life is critical.  Let us help you.


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