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Retirement Planning

Whether you are in the position of having worked hard for many years and are looking forward to a comfortable retirement, or if you want to set up a plan so you can be comfortable when you reach your retirement years, we want to help you make the right decisions. As you are getting ready to leave your job and face the task of determining if you have enough income to last for the rest of your life, we are here to help you plan for this very important time.

Our approach is to help you determine your income needs and the different sources of income available to you. We then look at the income tax consequences of your various sources of income and determine the best way for you to have enough income to meet your essential expenses for the rest of your life. We also plan for you to have some discretionary income to do those things that are desirable for you.

Because social security, pensions, IRAs and earned income can have different tax consequences, we help you determine the timing for withdrawals that will help minimize your income tax hit and leave you with more money in your pocket.

If you want to plan now so that you can have a comfortable retirement in the future, we are here to help you.

Deciding how much to contribute to employer sponsored plans, or investments outside of your employer are important considerations for you and we are here to give you advise and guide you with these very important decisions.

Deciding if you should pay off debt, or increase savings are very important decisions and we are here to help you with those decisions.

In all of these decisions, we work with you to determine your comfort level with risk and plan your portfolios accordingly.

As these choices can have income tax consequences, we are uniquely positioned to assist you with valuable financial advice that includes professional tax advice from CPA financial advisers.

For more information on retirement planning: