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Retirement Planning

Questions you may be asking about Retirement?

  • When can I retire and be comfortable?
  • How much can I spend? Will my spending habits change over time? (‘Go-Go’ years vs. ‘Slow-Go’ years vs. ‘No-Go’ years’)
  • What if I live a long time?
  • How much will health care cost? How about long-term care?
  • Will my investments and income keep up with inflation?
  • How much risk should I take with my investments? What if the markets drop?
  • How will taxes affect my retirement? How can I minimize them?
    • I have a few different accounts with different tax qualifications (eg. Roth IRA, Traditional IRA, 401k, Non-qualified Brokerage account, etc.). Which account(s) should I draw my income from and how will this affect me tax-wise?

Creating a customized Retirement Plan will provide you with:

  • Confidence in knowing you will not run out of money so that you can enjoy the retirement you have worked so hard for
  • Maximization of your resources towards your goals
  • An understanding of the risks in retirement, and strategies and a plan for reducing these risks
  • A greater understanding around how decisions in your life will impact your financial future.
    • For example, do you want to travel the world? Do you want to live half-time in another city where your kids live now? Etc.
    • How will these decisions impact you financially? And what are the best options based on your goals and priorities?


  • Step 1: Identify, quantify, prioritize goals
  • Step 2: etc.
  • Analyze and evaluate what track you are on now, and identify adjustments you can make to be on a better track based on your goals.  Examples of adjustments we may review includes
    • Spending rate
    • Savings rate
    • Investment strategy
    • Retirement Date
    • Income strategy (Which accounts to draw income from)
    • Evaluate health and long-term care insurance options
  • Position you as an informed decision-maker; then work with you to implement a retirement plan you are comfortable with

This article provides a detailed step-by-step of our Planning Process.

Example of Pre and Post Retirement Planning

Pre-Retirement Planning

Post-Retirement Planning