Retirement Investment Planning
Whether you’re just starting out in the workplace or now in your sixties, retirement planning should be one of your top priorities when looking at your financial goals. In this section, we have broken retirement planning down into three sections: The Accumulation Years, The Pre-Retirement Years and The Retirement Years.

The Accumulation Years
The Accumulation Years get underway as we enter the work force and begin making contributions to various retirement vehicles to help build up our “nest egg.” In the sections to follow, you will find links to a variety of these plans to help you understand which might be best for you. You will find information on 401K, 403B, profit sharing and other common plans. IRAs, which include a broad spectrum of retirement plans including traditional IRAs, Rollover IRAs, ROTH IRAs and several group plans, are also included.

The real key in this section is to start early. The chart below demonstrates the value of having monies set aside early in life to help provide for retirement.

The growth of a lump sum of $10,000 @ 5% deposit to age 65.

Click here to review retirement investment plans

The Pre-Retirement Years: Here, we are still accumulating retirement assets; however, it is necessary to set some time aside to review our current plans. We are now in our fifties and sixties. Such issues as plan diversification, plan allocation and income capability should now be addressed.

Common wisdom dictates that we are no longer willing to take the same risks with our assets as we may have been in our earlier years. Now is the time to reassess how much has been stocked away. Is it necessary to increase contributions to plans?

Use retirement calculators to estimate how much retirement income you will need.

The Retirement Years
Is the current retirement plan meeting your goals?

Are you getting the most from your retirement plan?

Should you annuitize your plan to maximize income or try to keep your principal intact so it can be left to your heirs?

Contact us to set up a review of your current retirement plans.

The best way to find out about what we do is to make an appointment with one of our investment counselors.

Click here to make a reservation for an upcoming seminar in your area.