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.

Determine revenue and distribution strategies alongside social security
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Preserve your standard of living smartly for decades to come
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Comprehensive wealth transfer strategies that honor your intentions
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Minimize your tax burden through smart tax optimization strategies
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Thoughtful planning for future healthcare and long-term care needs
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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

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

The future at your fingertips

 

Shane Kollenborn was named to the 2024 edition of the AdvisorHub’s list of 100 Next-Gen Advisors to Watch†.

† The 2024 AdvisorHub 100 Next Gen Advisors to Watch ranking is based on an algorithm of criteria, focused on three key areas: Scope of practice as measured by assets, production and level of service, Year-Over-Year Growth, and Professionalism & Character. The rankings weigh the scores in Scope of Practice and Growth more heavily than other areas. Time period upon which the rating is based is from 12/31/2022 – 12/31/2023, and was released on 6/20/2024. Advisors considered have a minimum of seven years’ experience, a clean regulatory record with 2 or fewer complaints and no significant judgements, must have been with their current firm for at least two years and in good standing, and have at least $100 million in assets under management. Out of 1,816 total nominations received, 100 advisors received the award. This ranking is not based in any way on the individual's abilities in regards to providing investment advice or management. This ranking is not indicative of advisor’s future performance, is not an endorsement, and may not be representative of individual clients’ experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating. Raymond James is not affiliated with AdvisorHub

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