Retirement by Design

Financial independence means different things to different people, but managing your assets when you are receiving a regular paycheck and have years until retirement is quite different than relying on your portfolio as a primary source of retirement income.  “Retirement by Design” is our firm’s ongoing process of planning and monitoring your progress as you accumulate retirement assets and distribute those assets as retirement income. This is done in conjunction with your overall goals and priorities, your monthly living expenses, special needs, account types, tax implications, etc. With a well-designed plan you do not need to spend your retirement years fearful of how each new, media-driven “crisis” may impact your financial security. 

• How much do I need to retire comfortably?
• Are my goals realistic?
• How much can I take out of my retirement portfolio while I am still active and be sure I will not outlive my assets?
• Should I take withdrawals from my trust account, my IRA, or my annuity? Do I truly understand the financial implications of the decision I am about to make?

These are the questions that nearly everyone will face and that cannot be answered by looking at a monthly statement.