That’s one of the biggest questions people ask, and the answer is different for everyone. To know if you have enough It will come down to how much you plan to spend in retirement and what income sources you’ll have. We can walk through the numbers together and run different scenarios so you can see exactly where you stand in each. If you’re not quite there yet, we can help you strategize how to get you across the finish line.
Great question, and one we love helping people figure out. Retirement income planning is all about turning what you’ve saved into a steady, reliable paycheck. We help you figure out when to claim Social Security, how to draw from your accounts in the right order to minimize taxes, and how to stretch your savings in a way that feels safe and sustainable. It’s like putting together a puzzle where everything clicks into place.
You’re right. Taxes don’t go away in retirement, but with smart planning, you can often keep more of your money. We look at your entire financial picture and help you plan when and how to take money out of your accounts. Things like Roth conversions, drawing from different buckets, or managing your income to stay in lower tax brackets can make a big difference. It’s about being proactive, not reactive.
Most likely, yes. When you’re working, your focus is usually on growing your money. But once you’re retired, the goal shifts to protecting what you’ve built and making it last. That doesn’t mean pulling everything out of the market; it means adjusting the balance between growth and safety. We’ll help you fine-tune your investments so you can sleep better at night and still grow your wealth over time.
That’s a really important question, and one that often gets overlooked. If most of your savings are in tax-deferred accounts like IRAs or 401(k)s, your heirs could face a hefty tax bill. We help you plan ahead with strategies like Roth conversions, smart beneficiary planning, and charitable giving options that can reduce that tax burden and make sure more of your money stays with your family.
First, take a breath. Inheritances can come with a lot of emotion, and it’s totally okay to take some time before making big decisions. When you’re ready, we’ll help you look at the big picture: how this fits into your goals, whether any taxes apply, and what makes the most sense for investing or paying down debt. It’s about honoring the gift you’ve received and using it to build a secure future.
You’re not alone. This is a really common challenge for families. It can feel like a tug-of-war, but it doesn’t have to be. We help you figure out how to support your kids’ education without sacrificing your own retirement goals. Sometimes it’s about prioritizing, sometimes about finding creative ways to do both. Either way, you’ll have a plan that feels balanced and realistic.
Debt can definitely make retirement feel out of reach, but it doesn’t mean the door is closed. The key is having a strategy. We’ll help you get clear on what you owe, what the interest rates are, and how to pay it down while still working toward retirement. Sometimes, just getting organized and having a clear plan takes a huge weight off your shoulders.
That happens more than you’d think and getting everything in one place can make a big difference. We help you sort through old 401(k)s, IRAs, savings accounts, and more. Whether that means consolidating accounts or just getting a clear picture of what you have, we’ll simplify things so you feel more in control and less overwhelmed.
It might be! Retiring early is totally doable with the right plan. It just takes a little more strategy. Things like how to access your money before age 59½, what to do about health insurance, and how to make your savings last longer all come into play. We’ll help you break it down step-by-step so you know exactly what you need to do to make early retirement a real option.