Retirement Planning:Secure Your Future with Confidence

At Wilmarth Private Wealth Management of Raymond James, we understand that retirement is one of the most important phases of life. Our retirement planning services are designed to help you build a solid foundation for your retirement, with the goal of living comfortably and enjoying the lifestyle you've worked hard to achieve.

Do I Need a Retirement Plan?

Retirement planning isn’t just about saving money—it’s about creating a strategy that provides financial security and peace of mind in your later years. The earlier you start, the more effectively you can build a sustainable income stream to support your desired lifestyle, manage healthcare needs, and protect your assets.

We help you navigate the complexities of retirement by developing a personalized plan tailored to your goals, helping you plan for the future with more confidence.

How Do I Turn On Retirement Income?

A key part of retirement planning is ensuring that you have a reliable income during your retirement years. We work with you to identify multiple income sources—such as Social Security, pensions, retirement accounts, and investments—to create a sustainable income strategy. Knowing how to maximize each of these is essential to finding more comfort in your plan.

Our goal is to help you maximize your income while minimizing risks, planning for your retirement funds lasting as long as you do.

Managing Retirement Savings and Investments

How you manage your retirement savings and investments can make a significant difference in your financial security during retirement. We help you create a diversified investment portfolio that matches your risk tolerance, retirement timeline, and goals.

By regularly reviewing and adjusting your investments, we ensure that your portfolio continues to grow and meet your long-term needs.

How Do I Manage Healthcare and Long Term Care in Retirement?

Healthcare costs are one of the biggest concerns for retirees. Medicare, long-term care, and other healthcare expenses can quickly deplete your savings if not properly planned for. Our retirement planning services include strategies to help address healthcare expenses, ensuring you have access to the care you need without sacrificing your financial stability.

We provide guidance on long-term care insurance, Medicare options, and ways to plan for unexpected medical costs. The goal is to protect your nest egg and lifestyle as you age gracefully.

How Do I manage Taxes In Retirement?

Taxes can have a significant impact on your retirement income. With careful tax planning, we help you minimize tax burdens during retirement, ensuring more of your hard-earned money stays in your pocket.

Our team works with you and your CPA to develop tax-efficient strategies, including the use of tax-deferred accounts and withdrawal strategies, to maximize your retirement savings and minimize the impact of taxes.

How Do I File and Maximize My Social Security?

Maximizing Social Security benefits and pension income requires careful planning. Timing your Social Security claims, understanding the impact of taxes on your benefits, and integrating these benefits into your overall retirement strategy are essential to helping you get the most out of your retirement income.

We assist you through the intricacies of Social Security and pension planning, presenting all information so you are able to make informed decisions that enhance your financial security.

How Do I Protect My Estate and Legacy?

Part of retirement planning is ensuring that your assets are protected and passed on according to your wishes. Our team works with you to create an estate plan that addresses key concerns such as wills, trusts, and minimizing estate taxes.

By addressing estate planning early, you can ensure that your legacy is protected for future generations.

How Do I Start My Retirement Plan?

The first step in retirement planning is to assess where you are financially and define your goals. We begin by reviewing your current savings, income sources, and expected retirement expenses. With this information, we create a customized plan that prioritizes your goals and helps you stay on track for a comfortable retirement.

Visit With Us and Begin Your Retirement Plan

Retirement planning is a journey, and having the right guidance is essential to achieving your goals. At Wilmarth Private Wealth Management, we are committed to helping you build a personalized plan that outlines your financial goals throughout retirement.

Take control of your future today. Contact us to schedule a no - obligation consultation and start planning for a fulfilling and comfortable retirement.

*Raymond James and its advisors do not offer tax or legal services. You should discuss any tax or legal matter with the appropriate professional.