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GUIDING YOU TO FINANCIAL FREEDOM

Retirement Planning

Whether you’re five years away from retirement or 20 years away from retirement, we’ll help guide you through the steps necessary to secure enough assets for your optimal retirement lifestyle. After evaluating your current financial situation, we’ll identify the income sources and opportunities that are most advantageous for you as you prepare for your life past employment. 

Why Retirement Planning is Important


Everything we do – from choosing a career to managing career progressions at our employers – is presumably so we and our families and dependents can have a better life. But if we fail to plan for “life after work”, all of the plans and effort we put into our working lives, could be jeopardized.

"Retirement planning is not what it used to be. Today it is far more complex. There are more choices and more decisions that have to be made, from Social Security, to Roth IRA's, to making the money last - each decision is usually irrevocable so it's important we get it right the first time." Michael Aloi

Here are some of the retirement questions to consider:

•What will retirement look like?
•Are we spending too much?
•Do we have enough saved?
•How much do we need to save?
•What should we do with the house?
•Should we save in Roth IRAs and Roth 401(k)s?
•How do we maximize Social Security?
•Should we pay off the mortgage prior to retirement?
•How should we take our workplace pension(s)?
•What are the risks or threats to our retirement?
•How do we make the money last? 

If we don’t plan for retirement, we’ll never be able to prepare for it. And an ill-prepared retirement is bound to be one filled with financial stress and chaos!


What We Can Do For You


For our clients, retirement planning doesn’t start at retirement. It starts much before! Our Retirement Planning service takes a long-term view of your financial well-being. We use a life-cycle approach to ensure your “life after work” is as well-planned as your life prior to retirement.


Here’s what we do for you as part of our Retirement Planning service:


Your personalized retirement planning strategy: Everything we do for you centers around four pillars - Helping you plan to achieve your financial goals prior to retirement; Planning to ensure you have sufficient income during retirement; Putting plans in place to safeguard your nest egg and yourself against potential catastrophes; Planning for your legacy.

Understanding your goals: Through an intensely personalized approach, we understand what your retirement goals are.

Analyzing your current situation: To plan a meaningful retirement, you need to know where you currently stand. We’ll help you build an in-depth financial inventory to use as part of our retirement planning process.

Developing the plan: Remember all those questions you had on your mind – largely unanswered? Well, we’ll work with you to create a retirement plan that addresses every one of them. When we’re done, you’ll not only know what you need (income) to fund your retirement lifestyle, and what your investments will generate; but you’ll also know how to bridge the shortfall – if any.

Implementing the plan: As you move closer to retirement, we’ll work closely with you to ensure the plans are implemented in a phased and orderly manner. The goal of our Retirement Planning approach is to make transitioning into retirement as seamless and stress-free as possible.

Supporting the decisions you make on pensions and benefits: Our retirement planning professionals will be right there when you need them, with help and advice on pensions and benefits (Government or Employer): Whether to apply or not? When to apply? What to do with those funds…and much more.

Looking out for you in retirement and beyond: Our Retirement Planning service isn’t done yet – not by a long shot! To live a long and fulfilling retirement, you’ll need help with many other facets of your life – Health Care, Insurance, Charitable Giving and Legacy Planning. When you need our advice, our specialists will know exactly how to respond.

•Ongoing reviews: Our Retirement Planning service ensures that we maintain a long and enduring relationship with you. We’ll continue to monitor and review your retirement plans, and consult with you frequently about any changes or updates needed to address your evolving retirement lifestyle needs.