Retirement Planning Service

Gain financial clarity with a blueprint for your Golden Years.

Let's Talk

Secure Your Future and Pursue Your Passions

Our retirement planning service offers thorough reviews of contribution plans, precise income calculations, and optimized Social Security benefits to secure a comfortable retirement.

We employ a holistic approach that covers every aspect of your retirement needs, from evaluating expenses and cash flow to planning for required minimum distributions and pension elections, helping to build a fulfilling and well-funded retirement.

With over 20 years of specialized experience, Robert Sullivan, our Chief Investment Officer and National Social Security Advisor Certificate Holder, personally oversees each retirement plan.

Our firm’s expertise and commitment to delivering personalized service ensures that you receive the highest quality advice and support.

Integrated Retirement Planning Services

Planning for retirement is about more than just saving money; it’s about crafting a strategy that ensures clarity and confidence on the road to financial independence. Our comprehensive financial planning offering is designed to address your specific retirement needs, helping you to secure a comfortable future.

Retirement Needs Evaluation
Social Security Optimization
Income Planning
Expense Management
Tax Efficiency
Investment Strategy

Key Services Included in Our Retirement Planning

Our personalized approach to retirement planning leverages a thorough process to help you achieve your financial goals and secure your future.

Professional Review of Contribution Plans

Our detailed analysis of your retirement contribution plans ensures you maximize your savings potential. We review your 401(k), Roth IRA, Traditional IRA, and other existing retirement accounts to ensure you are taking full advantage of employer matches and tax benefits.

Estimating Retirement Needs

We estimate your retirement needs by evaluating your desired lifestyle, healthcare costs, and other expenses. This estimation guides our planning process and ensures your retirement plan is aligned with your specific goals.

Calculating Potential Retirement Income

Our detailed retirement income calculations consider various sources, including Social Security, pensions, and investments, to provide a clear picture of your expected income during retirement.

Beneficiary Designations Review

We conduct a thorough review of your beneficiary designations to ensure your assets are distributed according to your wishes. This careful evaluation helps prevent potential legal complications and ensures that your loved ones receive their intended inheritance.

Retirement Account Choices

We assess your retirement account options and provide guidance on the optimal mix of accounts to maximize tax benefits and growth potential.

Social Security Optimization

Our strategies optimize your Social Security benefits, helping you determine the best age to start claiming and coordinating benefits with other income sources.

Pension Election Planning

We guide you through pension election planning, helping you make informed decisions about pension payout options to best suit your retirement income strategy.

Required Minimum Distribution Planning

We manage required minimum distributions (RMDs) from retirement accounts to minimize tax liabilities and ensure compliance with IRS regulations.

Retirement Planning FAQ

Here are answers to some of the most common questions about our retirement planning service.

What is retirement planning?

Retirement planning is the process of setting financial goals, creating savings strategies, and investing to ensure financial stability and independence in your retirement years.

Why is retirement planning important?

Retirement planning is essential to help secure your financial future, maintain your lifestyle, cover healthcare costs, and avoid financial stress as you transition out of the workforce.

How much should I pay for retirement planning?

Costs for retirement planning vary depending on the services provided, ranging from hourly fees, a flat rate, or a percentage of assets managed. It’s best to compare providers and choose one that fits your budget and needs.

Is investment management included in retirement plans?

Many retirement plans include investment management as part of the service, but it depends on the provider. Confirming what’s included will help you understand the level of service you’re getting.

What is the difference between a financial advisor and a retirement planner?

A financial advisor offers general financial guidance across areas like budgeting and investments, while a retirement planner focuses specifically on strategies to help you save, invest, and manage money for retirement.