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Estate Planning

Protect your assets and beneficiaries
using sound estate planning strategies.

Estate Planning

Protect your assets and beneficiaries using sound estate planning strategies.

Retirement Planning

Retirement planning is the key to financial security. While you’re still working, it’s nice to know that you’re taking care of your future. And when you get close to and finally retire, the funds are there to create the lifestyle for which you prepared. Here’s a look at each life stage from a retirement planning perspective:

Age 20s

Having the discipline to begin saving for retirement early in your career pays off amazingly well later. You don’t have to set aside as much because the investment grows and compounds. And, you take the pressure off of the later years when you have other obligations. It may seem like you have other more important financial concerns in your 20s, and you may not make a lot of money in your first job. But one day you will thank the person who convinced you to start early.

Age 30s and 40s

Life gets busy. You have a mortgage and a family, and retirement seems a long way off. But these are the most important years to save. You’re still young enough to see your retirement investment grow, and swings in the market don’t affect the end game dramatically. Your 30s and 40s are an ideal time to maximize investment in your 401(k) plan. Working with an investment advisor who understands your situation and your goals can help you have peace of mind about planning to retire one day.

Age 50s

Your 50s are a good time to assess where you are financially. What needs to happen now and in the next few years to be ready for retirement? Many people may feel like they’re behind at this point, and that’s where a professional financial person can help with a plan. If you’re on target, great. It’s a good time to take a look at and possibly refine your goals and investment allocations. You may choose a different risk profile based on your progress. Your early 50s are also a good time to take care of estate planning, if you haven’t already.

Age 60s

You’ll make decisions in your 60s about when you want to retire, when to begin drawing Social Security and how much you’ll withdraw from retirement savings. You may want to continue working, and will want financial advice about the upside and how much you can or you need to make. You’ll also have a clearer picture about retirement goals and anticipated expenses.

Whatever your stage of life, we’re here to help you look long term and set goals. Then, we’re here to help you realize your goals with sound advice and personal service.

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