Retirement Planning

The Retire with Too Much Money Strategy
Planning for retirement requires considerable planning and many variables.

Naturally, a major role in your investment portfolio is to enable you to live comfortably from retirement age on.

But in order to have a successful retirement plan, a number of questions need to be addressed, including:

  • When can I retire?
  • How much money can I spend per year? 
  • Can I meet my goals and reduce the risk in my portfolio?
  • Will I maintain my purchasing power of my principal?
  • Are my family gifting and charitable objectives achievable?

As part of The Retire with Too Much Money Strategy, we utilize sophisticated cash flow and asset management tools, which take into consideration all income sources, expenses, and ongoing life changes that play a role in creating a comprehensive retirement plan.

We understand that every client has unique financial concerns, and we're committed to providing solutions tailored to your individual needs. At the same time, we recognize some of our clients face common obstacles, opportunities, and strengths.

⇓ Review example for early retirement.

Early retirement is an appealing idea to many, but if it is going to be a reality, one must plan carefully. Moreover, retirement comes with not only financial, but also personal circumstances as well. We address the full picture of retirement at any age, helping to ensure that our clients can truly enjoy that time.

Client profile: Married couple in their 50s who want to retire early.
Details: We met with the couple multiple times to learn about their specific goals in retirement and to gain insight into their finances. We reviewed their financial situation through our diligent retirement analysis process and walked the clients through their specific options and likely outcomes. We learned that the couple could retire comfortably but that they were not ready mentally.

Action: In order to prepare for their eventual retirement at a time when the couple felt ready to make that change, we repositioned their assets in a way that matched their goals and risk tolerance. We continue to monitor the investments and make any necessary tactical changes, while also assessing retirement feasibility on an ongoing basis in our regular meetings and discussions.

⇓ Review example for retirement and planning for future legacy.

Along with planning for retirement, many want to ensure that their most precious assets, that is, their children and other beneficiaries, are taken care of after they pass. We discussed many strategies that allowed our clients to gift to their children and/or charities, without compromising their current lifestyle.

Client profile: Divorced, with two children focused on future stability and protecting their legacy.
Details: We analyzed our client's current assets and plan for retirement to gain insight into his finances through our cash flow and asset projection tools. This allowed us to go through a number of options and likely gifting outcomes.

Action: We developed a complete financial plan that accounts for personal and family goals and considered multiple scenarios, increasing the potential likelihood of goal achievement. We also reviewed income strategies for today and for the future as our client pursued an ideal retirement. We also developed a properly diversified investment strategy that addresses goals while respecting risk tolerance, providing protection during market downturns.

The preceding are hypothetical sample client scenarios and are for illustrative purposes only. Actual performance and results will vary. These studies do not represent actual clients or financial planners but hypothetical composites of various client experiences and issues. Any resemblance to actual people or situations is purely coincidental. The projections or other information generated by financial planning software tools regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. The results of the analyses may vary with each use and over time.