Take control of your retirement

Maybe you’ve gone along for many years without really taking stock of what your needs will be in retirement. But maybe now that you’re getting close to retirement you’re beginning to think about those needs just a bit more. If so, let’s begin by answering the following question: Do you have a comprehensive retirement plan?

If you do not have a comprehensive plan for managing your assets and preserving your future income, don’t wait any longer. It takes considerable work and time to accurately determine the income your investments can generate and to build in a safety buffer to attempt to preserve your retirement under difficult conditions.*

If you do have a retirement plan in place, ask yourself these additional questions:

• Has it been a while since I last reassessed my plan?
• Since the last time I reassessed my plan, have my financial circumstances, personal situation or retirement goals changed?
• Has market turbulence adversely affected my portfolio?

If you answered yes to any of those questions, it’s time to thoroughly reevaluate your retirement plan.

As we evaluate your retirement plan, we will look at factors such as:

• How much you are saving
• How much you are spending and what you will need to spend
• The rate at which you’ll be able to spend in retirement

Then we can help you make appropriate adjustments like:

• Paring discretionary spending
• Reallocating your investment assets
• Considering ways to “downsize” if necessary

All of this planning and adjusting can help put you on the path to a potentially comfortable retirement.

Asset allocation does not guarantee a profit or protect against a loss. The process of reallocating may result in tax consequences.

*There is no assurance that any investment strategy will be successful. Investing involves risk including the possible loss of principal.

Matt – his story

As a widower, Matt’s initial plans for retirement took a back seat to the realities of facing life alone – that was, until he remarried. Now his plans for retirement are taking yet another turn. He also has children from his first marriage to think about and wants to make sure his oldest daughter, the executrix of his estate, is not caught in the middle of things. He’s thought about a trust and would like to ensure his financial team can work with his attorney to make sure it all is coordinated and implemented as smoothly as possible. We’re here to help him invest in his remarkable life.

This is a hypothetical example for illustration purpose only and does not represent an actual investment.