Retirement Planning
A retirement plan is a living breathing document.
True financial planning is about more than numbers on a spreadsheet. The best financial planning honors every part of who you are, where you want to go, and the inevitable speed bumps that happen along the way. We build your plan, track its success, adjust for life's unknowns, and communicate those changes to you. And when life changes, so will your financial plan.
Do you find yourself asking these questions?
Can I afford to retire?
What are the threats to my retirement?
Should I be saving more?
Am I invested in the right way for retirement?
Am I paying too much?
What happens when the market crashes again?
And Many More
How do I turn my 401(k) into a paycheck?
Does the 4% rule apply to me?
When should I take social security?
Should I be doing Roth Conversions?
How my investment location decisions affect my tax bill?
What is Tax-Loss Harvesting?
Retirement planning should answer of all these questions and more. Retirement Portfolio Partners helps you reach your financial goals while ensuring you don’t run out of money during retirement. We want to give you financial peace of mind to allow you to focus more on what is most important to you
Our retirement planning process includes:
Mapping out your cash flows for saving, spending, and retirement income.
Stress-testing for market crashes, higher taxes, higher healthcare expenses, higher inflation, a reduction in Social Security benefits, and living longer.
Determining the optimal Social Security filing strategy based on specific retirement needs.
Identifying a tax-efficient retirement income distribution plan, including Roth conversions.
Developing an investment and rebalancing strategy to keep you on track to and through retirement.
Aligning all areas of your financial life to limit potential gaps and stay successful during retirement.
Tax-Efficient Retirement Income Strategy
Helping to identify tax-efficient retirement income distribution strategy for your unique strategy. Your strategy for withdrawing retirement assets is as important as your strategy for accumulating them.
Taxes during retirement can be higher than expected. We can help you save more money in lower income years with a sequential distribution strategy and utilizing Roth conversions.