Retirement Planning
There are three stages of planning:
1. Accumulation Stage: Typical Age Range 18-60
In this stage, our clients are building a career and possibly balancing a mortgage, car loans, and other debts while raising a family and saving for children’s education and their own retirement. We work with individual families to help them determine their goals and how to achieve them by offering a proven accumulation process that includes a disciplined investment program along with efficient savings and tax strategies. We review goals annually at your personalized Preservation Capital Planning Annual Review, showing you exactly where you stand in relation to your goals and expectations.
During this stage, you are not only working towards retirement but also need to be aware of the unexpected. Protecting loved ones if something happens to you is paramount, and we can help with that aspect as well.
2. Retirement Stage: Typical Age Range 50+
These are the golden years, and our clients never have to worry about outliving their investments. With Daryl’s and Bart’s numerous years of experience, our clients are in good hands to navigate any unexpected expenses beyond the income they need to retire on. This might include helping adult children, keeping their automobiles current, selling the family home, managing a vacation home, traveling south for the winter, planning vacations, and more. This is monitored and adjusted, if necessary, at our Preservation Capital Planning Annual Review, showing you exactly where you stand in relation to your goals and expectations. The retirement stage is also when we firm up the estate plan.
3. Estate Stage: Planning done throughout the life cycle
The estate stage begins the moment you become a client. Everyone, from age 18 to 88, should know what they want done with their investment nest egg should something happen to them. This includes consulting on wills, beneficiaries, taxation, charitable donations, executors, and more. We have these discussions with all our clients to assist them in working with other professionals such as lawyers and accountants.
Ready to take control of your financial future? Speak with one of our team members today to tailor a wealth management plan that suits your goals. Request a call now and start your journey towards financial well-being.