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Retirement and Distribution Planning

Ensuring your retirement income lasts a lifetime
You work hard and invest wisely and you’ve likely built up sizable balances in your retirement plans. As you near retirement, you’ll need to create a distribution plan. Planning for the distribution phase of life is a step that is often overlooked because so many individuals focus on the accumulation phase – building wealth for retirement. However, responsible retirement and distribution planning are essential in order to ensure that you do not outlive your income. You need to create a distribution plan that will provide a sustainable, predictable stream of income that also has the potential to increase over time. There are many variables to consider when planning for retirement. Inflation, rising health care costs and long-term care are just a few examples of the things that can affect your retirement income.

This phase of planning can be overwhelming and emotional as you think about the future. Working with a knowledgeable financial advisor can help eliminate the guesswork and emotional elements that often complicate this type of decision-making.

Our approach to distribution planning
Our team of knowledgeable experts recognizes that there is no “one size fits all” solution for our clients. We partner with you to create a distribution plan that suits your needs. Based on your age, your vision of retirement, how much you have in your retirement and pension plans, we analyze and create a tax efficient stream of income by creating a good split of your retirement income among taxable (joint accounts), tax-deferred (401(k)s and traditional IRAs) and tax-advantaged (Roth IRAs) accounts. In addition, based on an assessment of your risk tolerance, we’ll create an asset allocation strategy so that you have a diverse portfolio of low risk investments to more aggressive ones. This approach will help produce a reliable source of income throughout your retirement.

We believe that building a life-long partnership with our clients is the key to ensuring that they have the financial resources they need as they live out their retirement years. And we are by your side to continually reassess, adjust and manage your plan to ensure that it complements your retirement goals. Because we are an independent, privately owned firm, the only partners we have are our clients. So, everything we do is in their best interest.

Ready for Retirement and Distribution Planning? Let Wealth Enhancement Group help you today!