Retirement Planning

One of life's biggest decisions is when to "retire". Given increasing life expectancies, the transfer of mortality risk from employers to employees, and the increased complexity of modern life, retirement planning has become more relevant and valuable.

We assist clients by:

• Projecting cash flow versus living expenses using assumptions as to life expectancy, investment returns, taxes and expenses to help determine the appropriate balance between working and retiring, given life goals and objectives.
• Giving clients a realistic expectation as to spending money in retirement, to help them plan the next phase in their lives.
• Working with clients to identify appropriate retirement locations, given the local cost of living and tax laws.
• Helping clients with the financial and tax aspects of benefit plan elections associated with their retirement.