RETIREMENT PLANNING

IT IS TIME TO GET READY

At Argallus Financial Group, we know you want to be able to retire in comfort. To do that, you need a plan that provides a stable and growing income that lasts all the years of your retirement.

The problem is that there is a lot of misinformation about the best way to plan for retirement, which leaves you feeling unsure about what to do.

We believe no one should have to struggle with retirement because they didn't know the right thing to do. We understand how confusing it can be to try to navigate this alone, which is why, as Accredited Investment Fiduciaries, we have helped countless people navigate the path to financial security and plan for their future.

FREE RETIREMENT FLOWCHART

Written Retirement Income Plan:

A foundation may not be the most exciting part of your home to look at, but without a solid foundation, your dream home would quickly collapse.

A written clearly defined income plan is the equivalent of a solid foundation during retirement. It should be clear, easy to understand and follow, provides income no matter what the stock market does, and provides increasing income to offset inflation.

Your plan should evolve with you as your life changes, including any significant health event like Long Term Care or Dementia Care.

DECISIONS, DECISIONS

ccumuWhen you retire, you will no longer receive the same paycheck you did when you were working. You may have several sources of income to provide your retirement check, but many people have less than what they need. This shortfall is called an Income Gap or Shortfall.

Now is the time to prepare to turn the funds that you've saved through an IRA, 401k, 403b, 457, TSP, or other savings into an income stream that will grow with inflation to cover that gap. Once the Income Gap is covered, then you have much more freedom with your remaining savings.

But what's the best way to do that? That depends on you, your needs, goals, and the amount of savings that you have saved. A written financial plan will help you know what to do and just as important, why you are doing it.

Where should you have your money invested? That depends on your needs and goals. A written income plan will guide your best choices. Most retirees have their savings within several buckets to provide flexibility from market corrections and tax rate changes. These buckets include stock market investments, cash, annuities, Roth IRAs, life insurance, bonds, and alternatives.

Down my book "What You Need To Know About Financial Planning."

GET THE BOOK

I WANT TO RETIRE- WHAT NOW?

Will Taxes Impact Your Plan?

The U.S. is at historically low tax rates which may provide you an opportunity to convert your tax-deferred accounts to tax-free accounts.


THE ARGALLUS PROCESS

1. DISCOVERY

2. ANALYZE

3. VISION

4. INTEGRATE

5. REALIZE

6. OBSERVE


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