One of the most common questions in all financial planning is “How much do I need to retire?”. Many of us will work decades – perhaps even the better part of century – before retiring. Preparing for when the paycheck stops is one of the most important financial matters in life.
We can help prepare you for retirement by carefully considering your income needs, the potential effects of inflation, Social Security, healthcare costs, and more.
INFLATION
What a dollar buys today is likely less than what it buys 10 years from now, and likely far less than what it buys 30 years from now. Inflation complicates the calculation of how much money you need to retire, but it’s critical to consider its effects in order to preserve your standard of living.
HEALTHCARE COSTS
While Medicare coverage is available for all Americans age 65 and over, it’s not the end of the story. Navigating and selecting a Medicare supplement can be tricky and expensive. The potential for long-term care is another possibility to consider. We help our clients plan for retirement with their healthcare costs top of mind.
SOCIAL SECURITY
While most Americans qualify for retirement benefits through Social Security, for the vast majority of Americans, Social Security isn’t anywhere near enough to fund the retirements they dream of. We carefully consider the effects of Social Security and help our clients understand how it plugs into their broader plans.
Did you know you can view your estimated Social Security benefits online? If you’re curious to see where you stand, head to ssa.gov.
FAQ
We don’t have a fixed minimum investment level. That being said, our team puts a lot of work into creating customized wealth strategies for each of our clients. If asset levels are too low, our costs might not make sense for you. We typically work with clients with investable assets in excess of $1 million, but we also work with many younger investors with high incomes and aggressive savings goals.
Our cost is structured as a percentage of assets under management, charged on a monthly basis. The cost schedule is variable based on the level of assets and the scope of our work. We believe in full transparency. As a result, you clearly see what we are being paid for the value we provide. We do not receive any hidden fees or other forms of compensation. Finally, there are no lock-ups or penalties if you decide to go in a different direction.
The account opening process is handled by our skilled client service team who does all the heavy lifting. Onboarding occurs after we’ve gone through the financial planning process, mutually determined that we are a fit, and have agreed on your wealth strategy.
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