Retirement planning is a step-by-step process that evolves over time. The earlier you begin, the more time you have to plan for a comfortable, secure, and purposeful retirement. There are many considerations to make when planning for retirement. Our financial, investment, and tax strategists help you consider the whole picture, then create a strategic plan to pursue your goals. We’ll guide you through key steps like timing Social Security, managing required minimum distributions, evaluating healthcare costs, and designing an income plan that's built to last. With the right plan in place, you can retire with clarity and confidence.

Here are some of the most common questions we hear from clients who are nearing or already living out their golden years.

• How much do I need to retire?
  It depends on your lifestyle, goals, and expected expenses. We help you calculate your target number based on projected income needs, inflation, longevity, and available assets. You’re ready to retire when you have a clear income strategy, manageable risk, and a financial plan that aligns with the life you want to live.
• When should I claim my Social Security benefits?
  The right time depends on your health, income needs, and other assets. We analyze your options to help you maximize lifetime benefits based on your unique circumstances. We're here to help you choose the strategy that maximizes your benefits.
• How long will my retirement savings last? How do I turn my savings into reliable retirement income?
  We create a personalized withdrawal strategy that balances your spending needs, tax efficiency, and investment risk. Professional help can align your money to a plan that lasts as long as you do.
• What are required minimum distributions (RMDs)?
  RMDs are mandatory withdrawals from certain retirement accounts starting at age 73 (or 75, depending on your birth year). We help you plan ahead to avoid penalties and manage tax impact.
• Do I need to adjust my investment strategy now that I’m retired?
  Retirement isn’t the time to “set it and forget it.” We’ll align your portfolio with your new cash flow needs, risk tolerance, and lifestyle goals, while keeping growth and protection in balance.
• How will healthcare costs impact my retirement finances?
  Healthcare is one of the largest retirement expenses. We help you prepare for rising healthcare costs by incorporating Medicare planning, supplemental coverage, and long-term care strategies into your overall financial plan.