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Retirement Planning is a complex process for which most Americans are woefully under-prepared.  After walking with numerous individuals and families through this process, I’ve created this road map for your review, highlighting key stops along the way.  Let me be your guide!

Accumulation Planning 

Accumulation Planning 

Many people begin saving for retirement using a rule of thumb, such as saving 10% of their income.  As we work together, we can establish a more customized savings plan based on your projected future income needs, helping to ensure your investments are optimized to pursue your goals.


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Insurance 

Insurance 

As a wholistic financial planner, I'll help you evaluate the insurance that you have in place, making sure it fits your current life situation.  We might be able to eliminate or reduce certain coverage to help save you money!  

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Fixed Income Planning 

Fixed Income Planning 

Moving closer to your estimated retirement date, it is crucial to get a firm understanding of your future fixed income.  Common sources include Social Security, PERA (or other state benefits), federal pensions, or company sponsored pensions.  When to begin receiving these various income streams is very important, both in regards to a comprehensive retirement plan as well as survivorship planning.

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Health Care Planning

Health Care Planning

The cost of healthcare in retirement can often be a source of anxiety for people entering retirement.  For many, Medicare will play an important part in meeting this need, so we’ll want to make sure we have sound information to help us evaluate what coverage to put in place.  Also it will be crucial to plan for health care costs not covered by Medicare.  Fitting these decisions into the context of a comprehensive retirement plan is so important!  

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Retirement Cash Flow

Retirement Cash Flow

As a financial planner, I can guide you in creating a sustainable income from your retirement assets.  Working with your goals and objectives, we'll create a strategy to pursue a successful retirement.

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Stops along the way to review tax implications 

Stops along the way to review tax implications 

Along the way, we’ll want to monitor the tax laws to help ensure that we are building a tax efficient plan.  Are we working to build up a tax-free pool of resources for retirement?  Are we managing taxable investments in a way that is appropriate for your income tax rate?  Are there any life events that may have an impact on your tax picture?  Tax planning goes hand in hand with a comprehensive retirement plan.

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This is meant for educational purposes only.  It should not be considered investment advice, nor does it constitute a recommendation to take a particular course of action. Waddell & Reed and its representatives do not offer tax advice.  Please consult with your financial professionals regarding your personal situation prior to making any financial related decisions. 09/20