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Retirement Planning

Many pre-retirees say that their greatest fear in retirement is outliving their savings. After working so hard for so long, you shouldn’t have to worry about where your income is coming from in retirement.

We believe that every retiree needs a plan for creating and sustaining income throughout retirement. Retirement planning in Pennsylvania isn’t just for the wealthy.

Our job is to help you create a strategy for potential lifetime income throughout retirement that incorporates insurance vehicles, dividends, and fixed-income investments to create opportunities for long-term growth potential.

When you come into the office, Jim will assess your current income and future income to build the budget that best suits you and your family. Once we have a better understanding of your monthly and annual income needs, we will design a custom plan that meets your risk guidelines and investment objectives.

The plan covers hypothetical scenarios of what to expect from now until your retirement date, and then year by year until age 100. This gives our clients added peace of mind to know what the plan is and how to stay on the path. Once the plan is in place, we will meet quarterly to review and make changes if necessary.

Annuity Stress Test

Annuities play a part in retirement income planning; However, many retirees make the mistake of buying an annuity without stress-testing it. This can lead to purchasing an annuity that isn’t best suited to your individual needs. An annuity stress test can help you understand what you’re paying in fees, if you’re getting good value, the type of growth you need, and your potential future growth. With so many different options and opinions, an annuity stress test can help put in simple terms what at face value seems very complicated.

When you visit our office, we have a tool that breaks down all of the complex details of your current policy, and we can walk you through the pros and cons to help you better understand things like mortality and expense fees and riders. Once the stress test is completed, one of our retirement income planners will work with you to understand your options.

Retirement Income & Financial Planning in Pennsylvania

To talk more with our team about income in retirement and to download your copy of our 5 Steps to Retirement handout, fill out the form below.

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