Getting retirement ready

When you think about preparing for retirement, questions emerge. You may wonder how what you’ve saved stacks up against the average, or how long it needs to last. Or you might be thinking about whether you have the right investment mix for this stage of life – and market environment. We can help address all of this and more. After determining where you stand, we can help you make the most of your hard-earned income and account for the expected and unexpected in your retirement planning.

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We can help you plan ahead of your retirement and consider what the next phase looks like.

Income planning

Determine revenue and distribution strategies alongside social security
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Longevity planning

Preserve your standard of living smartly for decades to come
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Estate planning

Comprehensive wealth transfer strategies that honor your intentions
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Tax planning

Minimize your tax burden through smart tax optimization strategies
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Healthcare planning

Thoughtful planning for future healthcare and long-term care needs
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Insurance strategies

Prepare for scenarios when life’s most unexpected events hit
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Leave uncertainty behind

As you approach the end of your career, you may have questions about preparing financially and emotionally for what comes next. With us by your side, you can feel confident you’re making the right decisions – big and small – as you enter this new chapter of life.

See the retirement readiness checklist

How hard is your money working for you?

We can offer insights into managing and preserving wealth efficiently and effectively, personalized to your time horizon and financial situation. Retiring on your terms doesn’t have to be complicated.

Milestones

5 years from retirement

This period is about knowing your numbers. We can help you:

  • Determine what your expenses and income will be
  • Forecast your healthcare costs and plan for them
  • Explore when to claim Social Security to time it right for you and your family

10 years from retirement

You can accelerate savings once eligible for catchup contributions at age 50. We can help you:

  • Take things like inflation into account in your financial plan
  • Revisit your retirement goals and asset allocation
  • Prepare for scenarios where circumstances cause you to retire early

Asset allocation does not guarantee a profit nor protect against loss.

20 years from retirement

These may be your peak earning years, so make the most of them. We can help you:

  • Identify savings strategies to pursue your goals
  • Balance saving for a child’s education with saving for retirement
  • Review insurance policies to ensure they meet your needs

The cusp of retirement

You’ve come a long way, but there are crucial tasks still to tackle. We can help you:

  • Restructure your portfolio for retirement
  • Take a tax-efficient approach to retirement income
  • Think through your vision of living in retirement

Related Resources

Retiree in training

Practice makes perfect when it comes to retirement.
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Retirement & Longevity

Are you and your partner on the same retirement page?

Many couples don’t agree on when, where or how they’re going to spend their golden years.
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Retirement & Longevity

Retirement Planner

Do you know what it takes to work toward a secure retirement? Use this calculator to help you create your retirement plan. View your retirement savings balance and your withdrawals for each year until the end of your retirement. Social Security is calculated on a sliding scale based on your income. Including a non-working spouse in your plan increases your Social Security benefits up to, but not o...
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Retirement

Wherever you are in your journey to retirement, we can be your guide.

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Investing involves risk and you may incur a profit or loss regardless of strategy selected.
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Investment advisory services offered through Raymond James Financial Services Advisors, Inc.. The Bank and Pinnacle Asset Management are not registered broker/dealers and are independent of Raymond James Financial Services. Investment products are: not deposits, not FDIC/NCUA insured, not insured by any government agency, not bank guaranteed, subject to risk and may lose value.

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