Broker Check

Retirement Planning

Retirement planning is a broad term that’s often used to define everything to do with retirement. In reality, retirement planning can should be broken down into 3 distinct phases:

  1. Saving for retirement
  2. Transitioning to retirement
  3. Withdrawing in retirement

You save for retirement throughout your entire life. As retirement actually becomes a reality, managing the transition into retirement, requires careful adjustments, coordination, and planning. Once retired, managing your withdrawals in conjunction with guaranteed income to make sure you don’t outlive your money becomes top priority. Carefully managing each of the three phases is our specialty.

Here are just some of the questions we can help you with:

  • When can I retire?
  • Will I have an income shortfall?
  • Will I run out of money in retirement?
  • How can I mitigate the risk of running out of money?
  • When should I claim social security?
  • What should I do to bridge the income gap before I start social security?
  • Should I downsize for retirement or should I consider a reverse mortgage?
  • Should I consider a Roth conversion and when?
  • What assets should I draw income from first?
  • What factors should I consider with an early retirement?
  • What are the odds of me having to pay for long term care expenses, and what are my potential costs?

*Guardian nor its subsidiaries issue nor advise for reverse mortgages.

Get Started

Thank you!