- Understanding interest rates, bonds, annuities, and dividend stock investing along with other transition products can be challenging, if not confusing.
- As with most things in life, the first step is often difficult, but securing sound financial advice shouldn’t be left until it’s too late.
- Finding a licensed and knowledgeable resource—it’s the best financial advice you’ll ever receive.
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Tim is a Financial Advisor Who Can Help You With the Following:
- Measure how well your investments match up with your risk tolerance and goals and income needs.
- Make recommendations for changes to your finances if needed.
- Figure out whether you should keep your 401(k) or 403(b) with your previous employer or roll it into an IRA, where I will build you a new portfolio.
- Build that portfolio using your risk tolerance with the goal of creating enough retirement income but not outliving your money.
- Look over any pension options for which you may be eligible, review any Social Security and Medicare questions you may have.
- Examine any group life policies you may want to convert to an individual policy.
For a free, independent, and unbiased review of your 403(b) plan, email me at email@example.com today. Or, call me at 508-277-5847.
Retire Comfortably and Meet Your Goals
For example, after a lifetime of working for large firms, maybe you are practicing law on a part-time basis. Your wife, who is still working full-time as a nurse, would like to retire in the next couple of years. You own a couple of houses, and several 401k retirement funds but with little additional retirement income besides your Social Security.
Along with great careers, you’ve built up substantial 401k balances. It took awhile, but you got the hang of investing in equities: never comfortable with the ups and downs but always focusing on long-term growth.
Can You Really Trust Doing It Yourself?
Or Do You Need a Financial Advisor
- with a keen understanding of interest rates and the bond market:
- knowledge that is imperative when one talks about retirement income;
- access to the products necessary to help you transition from growth to income;
- will research your retirement accounts and let you know if leaving it with your 401k or 403b is a good option, or roll it over
- will work to keep your costs low – because in a low yield world, the less you pay to someone else, the more you keep for yourself
You Would Like to Hire an Advisor Who Can Assist
You With the Following:
Retirement Financial Needs
Review your assessment of your needs.
I am an advisor who is not selling any proprietary products or has any sales quotas.
Recommend investments, based on an explicit balance of growth vs. security.
Because I am independent
You benefit from advice and products tailored to your unique financial needs.
Design a strategy for minimizing your tax burden.
Hourly cost or fee-only, with an estimate of a not-to-exceed price for the initial consultation, and annual follow-ups
You should consider me as your financial advisor when switching from growing your retirement accounts to distributing them.
This transition usually means moving some money from stocks to bonds, and I am well-schooled in the economy, inflation, markets, interest rates, and the bond market.
Do you need to roll over your accounts for me to provide advice?
No. You don’t need to roll over your accounts to advice. I offer flexible payment options for clients. You can pay an hourly fee if it costs you more to roll it over.
One of the reasons the Department of Labor created the Fiduciary Rule is their concern that financial advisors are recommending clients roll over their 401k or 403b when it would cost them less to keep their money with their previous employer’s plan.
My advice is ongoing as we continue meeting and adjusting your accounts in retirement getting you the income and security you need.