Retired

We have put together some common questions that people often ask based on their life stage. You may have questions that aren’t shown here. Don’t worry, we will tailor your plan to fit you! Contact us.

What’s important to you?

Here’s how we can help:

• By listening to you to understand your values and help you prioritize your goals

• Helping you to determine a realistic timeline to accomplish your goals

• Understand your needs versus wants (they are different for everyone!)

I’ve been saving for so long, now I’m not sure how much I can spend?

• Create a spending plan to make sure your money lasts throughout your retirement

• Plan for healthcare costs during retirement  

• Review housing changes or refinancing

• Discuss new goals now that you have more time

• Determine which accounts are the best to draw funds from annually in order to minimize taxes

• Determine if Roth conversions would be beneficial to decrease your lifetime taxes

• Determine when to begin collecting social security in order to maximize your benefits

• Discuss how much can be gifted to family or charity annually

 Am I protected if something goes wrong? 

• Discuss which insurance policies you need to reduce major risks to protect you and your family 

• Review your estate plan to verify it is up to date and accomplishes your goals

• Analyze long term care costs and determine if insurance or self-funding is best for you

• Consider whether or not a trust would be beneficial to you and your heirs

How should I invest my money now that I’m retired?

• Determine a portfolio mix based on your risk tolerance

• Recommend a diversified portfolio with low fees

• Simplify your accounts by offering consolidation options