Retirement Planning

It's never too soon to plan for retirement. The sooner you get started, the more resources you will have to navigate the fragile decades, which are the 10 years before and after retirement.

We focus our retirement planning and management services on the fragile decades because getting the big decisions right in the decade before retirement and the decade after are key to a secure and fulfilling retirement. We offer planning and investing services that utilize effective strategies for investment, tax, income, and retirement risk management.

Retirement is a brave new world to people who have been working their entire lives. You go from earning, saving and growing assets to utilizing those assets to create the retirement lifestyle and legacy you want. It is complex. It is full new of risks. We can help you manage both.

In the end, we will reduce complexity and provide you an easy to understand plan with strategies to manage risk, keeping in mind Albert Einstein's famous quote, "Everything should be as simple as possible, but not simpler."

The two most important principles for the fragile decades are:

Risk Management. Not just investment risk and market declines, but longevity risk, income risk, sequence risk, inflation risk and spending shocks
Capital Efficiency. Higher capital efficiency translates into higher resulting wealth (spending plus what you leave to heirs). Maximize expected compensation for bearing investment risk. Minimize all forms of taxes. Avoid high cost investment and insurance products.

Our retirement management process integrates these principles to help make the most of your wealth

Important ages during the fragile decades

Retirement Plans and IRAs:

Age 50: Catch-up contributions allowed for retirement plans
Age 59.5: End of retirement plan early withdrawal penalties
Age 59.5: Beginning of penalty-free Roth conversions
Age 70.5: Qualified charitable distributions allowed
Age 73: Required minimum distributions begin for tax-deferred retirement accounts

Social Security & Medicare

Age 62: Earliest age for claiming social security (early claim reduces benefit amount)
Age 65: Eligible for Medicare
Age 66 to 67: Full benefit age for social security
Age 70: Maximum benefit age for social security. Delay credits of 8% a year terminate

Home Equity Conversion Mortgage (HECM)

Age 62: Eligible borrowing age for a HECM reverse mortgage

Find the kind of financial security
that leads to lasting peace of mind

You've worked hard to grow your wealth, which is why having a diligent retirement plan is critical. Whether you're still working or already enjoying your retirement, we work with you to understand your aspirations and develop a plan that safeguards—and continues to build—your wealth.

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