You’ve Got Questions
As you think about retiring, there’s a lot to consider:
Am I financially ready to retire? If not, what’s the right age to retire for me?
In what order should I tap into my retirement savings?
What kind of income stream can I expect from my pension, 401k, IRA, and/or Social Security?
How long will my nest egg last?
How should I be budgeting for saving and spending?
Should I still be investing?
What about health care options?
How can I be sure I’m being tax efficient with all these decisions?
These questions can quickly become overwhelming. With the right answers, you can minimize the risk that you’ll outlive your savings.
During this transition, the decisions you make will significantly impact your retirement and can mitigate other retirement-related risks like withdrawal rates, inflation, and interest rates.
We’ve Got Answers
You’ve worked a long time to accumulate the funds in your retirement plan. We understand and respect that.
As you consider retirement, you’ll be pivoting from accumulation-only strategies and beginning to contemplate distribution strategies. This pivot requires sophisticated levels of risk management and expertise.
Creating That Ah-Ha Moment in Your Retirement Planning Process
When we walk through this transition with our clients, many of them realize a sort of “ah-ha” moment. Whether it’s money, healthcare, lifestyle, or a combination of all three, answers begin to come into focus.
Money - After understanding your needs and what you plan to do next, we’ll begin developing investment strategies to make the most of your hard-earned money. From required minimum distributions and estate planning to leveraging your savings as an income stream — and everything in between — you’ll have a partner every step of the way.
Health - Financial and physical health go hand in hand. We can help make sense of your health care options within your employer’s plan and Medicare. Together, we can discuss how to best manage healthcare costs and determine if long-term care insurance makes sense for you.
Lifestyle - Whether you’re headed toward a second career, consulting, volunteer work, or anything else, we can help you make the most of it. Once we assess your time horizon, investment holdings, and appetite for risk, we’ll develop a strategic plan and a projection of your cash flow so you can live the life you’ve imagined for your retirement years.
You’ll work with our enrolled IRS agent to clearly explain the weighty tax implications and with fiduciaries who are legally bound to put your interests ahead of their own.
Starting with a strategy, we’ll map out a plan, and then talk tactics.
Strategy - Every retirement plan is unique. We’ll consider your age, years until retirement, other retirement holdings, your life goals, your family dynamics, and much more.
Plan - With those variables, we’ll then consider some fundamentals, including:
Timing considerations, which will include a comparison of various tax rates in light of minimum distribution rules that begin at age 72.
Your comfort level with investment complexity.
Tactics - Together, we’ll design a unique set of steps to pave the road forward for your retirement. The original strategy will drive every step we take.
Meet Brian Kellett, CFP
The foundation of Brian’s business is working with couples as they retire and move into the asset distribution part of their lives.
When you work with Brian, he’ll carefully assess current and potential income streams in retirement – usually some combination of assets from rollover IRA’s, pension income, Social Security, and inherited assets. For 20+ years, Brian has been combining that understanding along with analysis of earning history in order to accurately project the assets his clients will need.
Brian’s clients love that he invests available assets in a conservative way while still finding ways to generate necessary income streams. You’ll appreciate how Brian strikes that delicate balance of listening and “tough love” to provide guidance on spending while also building strong, lasting relationships that help his clients live comfortably in retirement.
Over his time building the practice, Brian’s clients have often referred other family members to him, which is the best evidence of a truly professional partnership.
Let’s Talk
The best time to start planning for retirement is when you start working. The second best time is right now.
Zero pressure and keeping it simple. That’s what we’re all about. Our licensed financial planners and tax professionals will walk you through a financial plan that was built from scratch just for you. These visuals will be tailored specifically to your current financial snapshot and your goals. This way, we can talk about your unique situation and provide equally-unique strategies for you to consider.
We want you to take your time with this decision. That’s why our motto is “sleep on it.” In fact, at the end of the meeting, we’ll actually tell you to sleep on it.
There’s never any pressure or obligation. This is an important decision, so we want you to be totally comfortable and confident before you choose to work with us.