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Retirement and Beyond

“Often when you think you’re at the end of something,
you’re at the beginning of something else.” Fred Rogers

Guaranteed Income for Life

Guaranteed Income for Life

Going into retirement without a plan is stressful, even if the money is there.  We’re used to paychecks, and having that steady paycheck gives us confidence.  Retirement is no different.  We’ve found that having a paycheck you can count on creates all the difference; one that’s guaranteed and will last your entire life.  Over our years of experience with clients, we have found that assets create stress, but income creates peace of mind

With our strategic approach to Retirement Income Planning, we look at the whole picture, and help you create a plan to create the guaranteed “pay-check” you need, while allowing for a “play-check” you want.

Schedule a session to discover how you can set your retirement with income for life.

Protect Retirement Funds Against Serious Health Care Costs

Protect Retirement Funds Against Serious Health Care Costs

Taxes may be your largest cost in retirement, but health care comes in a close second. A serious medical issue, such as chronic issues requiring long-term care, can very easily blow up even the best retirement plans, and leave a retiree or a surviving spouse destitute and requiring welfare.  According to the Colorado Department of Health and Human Services, 70% of seniors will need long-term care before passing on.

Making a long-term care plan part of your retirement plan can protect your retirement funds and help them live as long (or longer) than you do.

Contact us, and we can help you put together a plan for this possibility.

Lowering your tax bill

Lowering your tax bill

For years, you’ve been building that nest egg in your 401k or traditional IRA. You’ve worked hard, saved responsibly, and now you feel great about how much its grown! But what happens when you start taking it out in retirement? The IRS is rubbing its hands in glee…

In retirement, your largest expense won’t be housing, it won’t be medical care, or even that RV. It will most likely be taxes, especially if most of your savings are in a 401k or IRA. Not only that, but it can lead to taxation of your social security benefits.

Proper planning can mitigate the taxes you pay and this social security taxation. Choosing accounts with appropriate tax treatments, as well as timing when you take money from different accounts can have a huge impact on the tax you pay.

We can help you put together a retirement plan that minimizes what you pay to Uncle Sam.

True Diversification

True Diversification

We diversify in order to spread our money out, and protect it from loss.  If you’re investing in the market, chances are your investments are already market-diversified.  But True Diversification means more than that.

Wall Street would have you believe that in order to gain diversification, you need to own more than one stock, more than 10, more than 50.  However, this didn’t prevent the S&P 500, which has 500 stocks, from losing 27% during march 2020.  

Protection from loss is only accomplished by moving your money to a safe place through True Diversification.  Using various methods, you can protect the money you need to protect, and still allow for reasonable growth.