RETIREMENT PLANNING

Most people concern themselves not with accumulating wealth for wealth's sake, but rather to ensure their wealth helps them achieve life goals. For many of our clients, that means adequately preparing for retirement so they can enjoy financial security and peace of mind in their non-working years.

Every investment plan we develop for our clients contains a detailed set of financial projections which can be used to address questions such as:

• Based on my financial situation, when can I reasonably retire?
• How much do I need to save now in order to maintain my lifestyle in retirement?
• How much can I safely withdraw each year to avoid outliving my money?
• Should I keep an emergency reserve fund of cash?

Retirement planning is an ongoing, dynamic process. The plan must be monitored and updated to reflect changes in a client's life, tax laws and market returns.