Retirement Income Planning

We seek to answer, with a reasonable degree of certainty, the questions surrounding whether you'll succeed financially in retirement.

We have extensive experience with the Federal Employee Retirement systems (CSRS and FERS) , the Thrift Savings Plan (TSP) and (URS on the State level) as well as many of the retirement plans of local employers in the area. We employ a unique Retirement Income Analysis tool that matches retirement expenditures (adjusted for inflation) with varied sources of retirement income to determine whether your assets and your income sources will outlast these expenses as they climb throughout the years.  The question:  AM I or ARE WE GOING TO BE OKAY???  Haunts everyone thinking of making the transition into that next exciting and potentially rewarding stage of life.  We have retired many, many times by proxy and invite you to learn from our accumulated experience in so many ways as you answer questions that may include:

• Am I or are we prepared financially to retire?
  
• What am I/are we going to retire to?
  
• Have I/we properly defined my/our purpose in retirement?
• When should I/we take social security?
  
• How will my/our employer's benefit package coordinate with my/our additional needs in retirement?
  
• Will my/our income rise during retirement to keep up with inflation (the rising cost of goods and services)?
  
• How should the sources of income be structured to best help me/us achieve my/our goals and objectives?
  
• How will taxes impact my/our retirement income and how can I/we retire tax efficiently?  How can I give charitably as tax-efficiently as possible?
  
• What about the rising cost of medical care?
  
• Which Medicare options will be right for me?
  
• Are there any practical, affordable solutions for the long-term care problem?
  
• What other specific steps beyond my retirement do I/we need to take to keep up with tax and estate law changes, need for required minimum distributions and other updates to our plan as necessary?
  
• Do I have any blind spots from a retirement or estate planning perspective that I should be asking about but have not known about?

We are well positioned to help comprehensively or individually with these questions and others.  Arrange time to come in for a complimentary consultation and put our commitment to care competently to work for you.  We believe you'll be glad you did!