Experts estimate individuals will need as much as 80 to 100% of their pre-retirement income to maintain their current lifestyle*. Most retirees we see will need to tap several sources, including Social Security, pensions, employer savings plans and personal savings, to provide all the retirement income they desire. In drafting your financial plan, we will help you determine how much money you will need and when, take inventory of your financial resources and estimate your income and applicable tax consequences.

Once we have agreed upon a plan and made the necessary investments, we will regularly review your plan with you for any changes to your goals or lifestyle, health or income. We will analyze your portfolio in light of your plan. We will review predictions about income needs and key life events and make any changes necessary. Finally, we will assess shortfalls or windfalls you have experienced and make any adjustments necessary.

We believe that regular reviews of your financial strategy are our responsibility, so you can spend your retirement doing the things you enjoy most.

Tax services are neither provided nor endorsed by Retirement Wealth Group, LPL Financial or affiliated advisors.

*CNN Money

Effective estate planning can help you plan to reduce your estate taxes, ensure your beneficiaries receive the money you wish, and allow you to maintain control of your assets in case you become incapacitated. At Retirement Wealth Group, we help clients employ a number of powerful estate planning tools such as wills, trusts, charitable remainder trusts¹, last-to-die life insurance policies and carefully selected beneficiary designations.

We also have relationships with attorneys specializing in estate law — living trusts, IRAs, estate tax laws, probate, durable powers of attorney — who can help clients as needed. (Referrals to these attorneys are made solely for the benefit of our clients, and we never receive compensation for business conducted with these attorneys. Legal services are neither provided nor endorsed by Retirement Wealth Group, LPL Financial or affiliated advisors.)

At different times in your life, you might require different levels of service to help protect your family. We can help provide the objectivity and foresight needed to work towards a financially independent future for your beneficiaries. We can also help you employ wealth transfer strategies and set-up a legacy plan to work toward your family’s changing financial needs.