Retirement Planning

Retirement Planning is the  process of arranging your financial affairs so that your wealth will be distributed according to your wishes after your death and to avoid undue taxation. This process involves Estate Planning, which entails helping people articulate, create and implement an end-of-life plan that is consistent with their values and final wishes. Estate Planning can involve a trust, life insurance and practical advance directives that need to be discussed, such as  a Durable Power Of Attorney, a Living Will, and in some cases  a Do Not Resuscitate Order.

Another critical part of retirement strategy is Income Planning, which is the process of preparing for retirement’s transition from asset accumulation to income generation and asset distribution.which can also extend piece of mind well beyond the benefits of a will and life insurance. 401K Rollovers, IRA Transfers , using life insurance to supplement retirement income or to maximize a pension are commonly used to create income. Business Owners also need Retirement Plans such as defined benefits plans,Owner-Only 401K plans to address the need for tax deductions, as well as  401K or profit sharing plans for employees and/ or the company principals.

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