A Special Note From Zach to You
Retirement means different things to different people. For some, it’s a chance to travel or pursue a new passion or even a second career. For others, retirement is a chance to slow down and enjoy life on a whole new level.
No matter what retirement means to you, I want to help you live the life you’ve earned. Your retirement plan should be as unique as you are, customized to fit your desired lifestyle. My 5-Step Retirement Ready Review is designed to tackle the steps below. Please, read through them, then fill out the form to schedule your personal review. I look forward to meeting you!
We Break Down Each Step Included in Your 5-Step Retirement Ready Review
1. Income Planning
Our goal is to help ensure your expenses can be paid month to month with reliability and predictability for the rest of your life.
This typically includes:
- Social Security Optimization
- Income & Expense Analysis
- Inflation Plan
- Spousal Plan
- Longevity Protection
2. Investment Planning
Once your income plan is established, we will create an investment plan for the remaining assets that you do not need to draw from month to month.
This typically includes:
- Assessing your Risk Tolerance
- Adjusting your portfolio to reduce fees
- Volatility Control
- Evaluate ways to reduce risk while still working towards your goals
- Comprehensive Institutional Money Management
3. Tax Planning
Any comprehensive Retirement Plan will include a strategy for decreasing tax liabilities.
This typically includes:
- Assessing the taxable nature of your current holdings
- Strategizing ways to include tax-deferred or tax-free money in your plan
- Strategize which tax category to draw income from first to potentially reduce tax burden
- Discussing ways to leverage your qualified money to leave tax-free dollars to your beneficiaries
4. Health Care Planning
We will create a plan to help you address rising health care costs with a minimum of expense.
This typically includes:
- Looking at all aspects of Medicare, Parts A, B and D
- Analyzing options for a Long-Term Care Plan
5. Legacy/Estate Planning
It is important to ensure your hard-earned assets go to your beneficiaries in the most tax efficient manner.
By working collaboratively with a qualified estate planning attorney, our goal will be
to help you:
- Maximize your estate and income tax planning opportunities
- Protect any assets in trust and ensure they are distributed to your beneficiaries probate free
- Prevent your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death
Schedule Your Complimentary Consultation
If you would like to learn more about Fleming Financial Partners or would like to schedule a complimentary consultation with one of our advisors, please contact us today!
It’s never too late to work toward your dreams.
Explore
We’ll learn what’s most important to you and review your current financial situation.
Evaluate
We’ll help you determine how much money you need to live comfortably in retirement.
Create
We’ll help you implement a strategy that reflects your goals — and keeps you on track.
