Retirement Planning

Retirement planning is about building the life you want for the years ahead. Whether you’re just getting started or looking to make the most of what you’ve already saved, we’ll help you create a plan that’s clear, flexible, and built around your goals. From 401(k)s and IRAs to annuities and income strategies, we’ll simplify your options so you can retire confidently, not just comfortably. With thoughtful planning today, you can enjoy the freedom and security you’ve worked hard for tomorrow.

 Retirement Planning FAQs

  • There’s no one-size-fits-all number. It depends on your lifestyle goals, income, and timeline. A good starting point is saving at least 10–15% of your income if possible. But more important than a percentage is having a clear plan that fits your life. We’ll help you find that balance.

  • You’re not alone, and you’re not too late. We’ll help you take practical steps to catch up, from maximizing contributions to taking advantage of tax-advantaged accounts and creating a plan that builds confidence, not stress.

  • The short answer: as early as possible. The earlier you start, the more time your money has to grow — and the more options you’ll have later on. But it’s never too late to plan. Whether you’re just getting started or approaching retirement age, we’ll help you make smart, strategic moves from where you are now.

  • Ideally, as soon as you start earning a steady income. But even if you’re well into your career — or already retired — it’s always a good time to make sure your plan fits your goals. We’ll meet you where you are and help you move forward with clarity.

  • Absolutely! Retiring early takes a little extra planning, but it’s not out of reach. We’ll help you understand what “early” retirement means for your situation - how much income you’ll need, how to make your money last, and how to protect against surprises like health costs or market swings.

    1. Waiting too long to start. Time is your best friend when it comes to compounding growth.

    2. Not planning for taxes. The type of account you use — and how you withdraw from it — can make a big difference.

    3. Assuming expenses drop dramatically. Many retirees spend more early in retirement while traveling, fixing up their homes, or checking off bucket list goals.

    With the right plan, you can avoid these pitfalls and retire on your terms.

  • Yes. Certain types of life insurance can provide living benefits, tax advantages, and cash value that can be used as part of your retirement income strategy. It’s not right for everyone, but it can be a smart tool in the right situation. especially for families looking to balance income and legacy goals.

  • The most common types of retirement accounts include employer-sponsored plans like 401(k)s or 403(b)s, as well as individual options like IRAs and Roth IRAs. Some people also use annuities or investment accounts as part of their overall strategy. The right mix depends on your income, goals, and how hands-on you want to be with managing your savings.