You tell us the WHAT,
We'll tell you the HOW
Engaging in what excites you shouldn't be a luxury; it is the outcome of every successful plan and the reward of a life well-lived. Whether simple activities like golf and traveling or once in a lifetime experiences, the things you dream of should be the core of your retirement plan.
Retiring without a plan is like jumping out of a plane without a parachute - it rarely ends well. In today's environment it's easy to feel overwhelmed with the idea of "having enough" or "hitting your number", but financial security rarely boils down to a single variable. That's why we make comprehensive financial planning the foundation of our relationships.
The starting point for a remarkable retirement is to define what that retirement looks like for you. We don't mean broad strokes, we mean specifics - where you live, how you travel, what you spend time doing. The more we discuss your goals in detail the more robust and precise a roadmap we can develop.
Are you ready for retirement? More specifically, are you ready for the retirement you defined? True retirement preparation starts 5-7 years before you stop working; enough time to make meaningful changes to savings, investments, asset location, etc.. The goal is to have the necessary resources to do what you want, how you want, when you want.
Diligence in the first three years is the key to a great retirement. This is the time with the greatest number of challenges: sequence of returns risk, entitlement elections, and establishing a "new normal" for your finances. Handle it well and you'll be ahead of the curve - but small mistakes early can compound and put later years at risk with little chance to change course.