Retirement Planning


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Now It's Time
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Retirement Planning


Retirement planning involves evaluating your current financial picture and creating strategies that will help to ensure the retirement lifestyle you've always wanted.

Because an individual's retirement years can span decades, retirement planning generally dominates your financial focus. A successful plan put into place while you're working should address ways to save, maximize growth, and prepare for future retirement income.   

There are several ways to save for retirement:

  • Qualified employer-sponsored plans
  • Individual retirement accounts (IRAs & Roth IRAs)
  • Executive deferral plans
  • Maximum funded life insurance policies

Qualified plans are employer-sponsored retirement plans such as a 401(k) and pension plans. While there are contribution limits and strict distribution rules, these plans are popular because of their tax benefits. Generally, employers will make participation even more attractive by matching all or a portion of an employee's contribution. It's important that you choose the optimum plan to benefit the key people in your company.

IRAs are inexpensive, easy to establish and maintain, and also offer favorable tax incentives. They can be created by an individual or provided by an employer. Most people use IRAs to consolidate retirement savings that were previously held in employer-sponsored plans. Our process coordinates your IRA investments with your other savings plans.

Executives and business owners may have access to other tax-advantaged retirement savings options. Nonqualified executive compensation is a term used to describe a compensation arrangement that provides retirement income and, in some cases, death benefits to key employees of a business.

Maximum Funded Life Insurance policies may provide access to cash funds inside a permanent life insurance policy that can provide income during retirement. When these are polices are structured correctly, they can provided a source of income that does not increase your taxable income when withdrawn from the policy. Also, these types of policies may provide your family a tax free death benefit if policy has any remaining death benefit value after the cash withdrawals.

At the heart of any retirement plan is the strategy to create income from retirement assets. The proper distribution method will help ensure that your retirement savings last beyond your lifetime. We can help you retire early with distribution options that allow access to retirement assets prior to age 59 ½.  There are retirement products that provide lifetime payments to help ensure you don't out-live your money.

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