I'm already enjoying my retirement

You’ve successfully made the transition and now are enjoying the freedom that comes with retirement. If you’re like many of your peers, you are traveling, spending time with the grandkids and pursuing some of the interests you neglected while working. You might even be working part time, running a business or volunteering to support causes you feel passionate about. Today’s retirees have an opportunity that future generations never had – the likelihood of spending 30 or more years in retirement. This presents great possibilities but also poses real challenges. In a world of rapidly changing market conditions, inflation, shifting tax codes and increasing longevity, are you confident your plan can adapt and carry you through the next 2 or 3 decades? 

We can work together to stress test your current approach and determine if you have any blind spots:

  • Is your income strategy tax efficient and designed to last as long as you will?
  • Have you considered strategies such as guaranteed income annuities, Roth conversions or reverse mortgages to round out your plan?
  • Does your investment portfolio utilize the right mix of investments to balance your need for income and desire to preserve what you’ve built while still providing the growth opportunities needed to increase your income over time?
  • If you’re charitably inclined, you might consider gifting in tax favorable ways such as the use of Qualified Charitable Distributions from your IRA’s, gifting appreciated securities or stacking deductions through the use of Donor Advised funds.
  • Longevity planning goes beyond a discussion of your financial resources to help you answer the question, “What’s next”?  As you plans, preferences and status evolves over time this may include a post-retirement career, additional education or learning, travel, volunteer work, physical fitness & nutrition and goal setting.
  • While today’s retirees can expect to spend 20 or 30 years in retirement, their planning often doesn’t extend beyond their “bucket list” years.  We’ll help you think through tough questions such as where you’ll age, who might provide your care and how you will pay for it.