Financial Planning For Seniors

As you make the transition from your working life into retirement, financial planning becomes even more essential. An understanding of exactly where you stand financially will give you the peace of mind you need to be able to fully enjoy your retirement years. Without this thorough and often complex analysis, seniors run the risk of either running out of money during retirement, or cutting their retirement spending much more than is necessary. Both of these outcomes can usually be avoided with a thorough, professionally prepared financial life plan.

Retirement Planning

As you get closer to retirement, the primary investment goal begins to shift from earning the highest return on your investments to preservation of capital. And as you enter retirement, it becomes important to have a realistic understanding of what your annual expenses need to be so that you can enjoy your retirement without fully depleting your resources.  We will perform these calculations and spend the necessary time with you to be certain that you have a clear understanding of the figures.

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Estate Planning

No matter how large or how modest, everyone has an estate. We help you ensure that your wishes are carried out with the least amount paid in taxes, legal fees and court costs.

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Social Security Strategies

For many retirees, Social Security benefits represent their largest source of retirement income. Yet research shows that most retirees are unaware of the magnitude of their decisions surrounding claiming retirement benefits. With the help of our sophisticated Social Security software, we analyze the more than 567 claiming options available to determine how to maximize your social security benefits based on your unique situation.

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Tax Planning

Tax planning remains important as seniors approach and enter retirement. Minimizing the tax impact of required distributions from company sponsored savings plans and IRA’s should be evaluated. Also, converting traditional IRAs to Roth IRAs should be considered.

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For seniors approaching retirement or already on a fixed income, budgeting can become even more important. We evaluate your retirement savings and projected retirement income and help you develop a budget that will give you the peace of mind of always understanding exactly where you stand financially.

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Risk Management and Insurance

The goal of risk management is to identify potential risks to your financial well-being, and find ways to mitigate those risks. For seniors, one of the most significant concerns is the possible future need for long term care.

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