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RETIREMENT PLANNING

As retirement draws near, it's crucial to take a strategic approach to ensure a financially secure and fulfilling next chapter. Key areas to focus on include optimizing your asset allocation, implementing tax-efficient withdrawal strategies, securing guaranteed lifetime income, planning for healthcare costs, and aligning your resources with your desired lifestyle and legacy goals. 


We help you develop a personalized roadmap that encompasses investment management, tax minimization, reliable income streams, healthcare funding, and estate planning. By proactively addressing these essential elements, you can transition into retirement with confidence and peace of mind, empowered to fully enjoy the meaningful next phase of your life.

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Retirement Planning Essentials for Near-Retirees

As you approach retirement, careful planning becomes more critical than ever to ensure a financially secure and fulfilling next chapter of life. Here are some key areas to focus on:


Strategic Asset Allocation

  • Gradually shift your portfolio to become more conservative as retirement nears

  • Consider increasing bond allocation for stability and income

  • Maintain some stock exposure for growth potential to combat inflation

  • Diversify across and within asset classes to manage risk


Tax-Efficient Withdrawal Strategies

  • Withdraw from taxable accounts first to allow tax-deferred accounts to keep growing

  • Take required minimum distributions (RMDs) from traditional IRAs and 401(k)s starting at age 72

  • Consider Roth IRA conversions in lower income years for tax-free withdrawals later

  • Utilize low capital gains rates and tax-loss harvesting in taxable accounts


Guaranteed Lifetime Income Options

  • Maximize Social Security benefits by delaying until age 70 if possible

  • Consider purchasing an immediate or deferred income annuity for reliable cash flow

  • Some deferred annuities offer tax deferral and lifetime withdrawal benefits

  • Traditional pensions provide guaranteed income if you have that benefit


Healthcare Planning

  • Get educated on Medicare coverage options and enrollment periods

  • Budget for out-of-pocket medical costs like copays, dental and vision

  • Consider long-term care insurance to protect against high care costs

  • Stay active and prioritize preventative care to reduce healthcare needs


Lifestyle and Legacy Goals

  • Envision your ideal retirement lifestyle and estimate associated costs

  • Downsize or relocate if it aligns with your goals and helps your budget

  • Plan for your legacy through estate planning tools like wills and trusts

  • Support causes you care about through charitable giving vehicles


Working with a financial advisor specializing in retirement can help you build a personalized plan that aligns your assets and goals. The right mix of strategic investment management, tax minimization, guaranteed income sources, and healthcare and legacy planning can provide confidence and financial peace of mind to truly enjoy your retirement years.


Proactive planning puts you in the driver's seat as you transition into this meaningful next phase.

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