How to Retire Comfortably and Meet Your Goals
You have retirement accounts in a few different places. So does your spouse. Now that you are retired or thinking of retiring you are closer to using the money, but you haven’t changed the allocation or risk level of any of those accounts.
Moreover, you haven’t met with a financial advisor to discuss your retirement accounts or goals.
- 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.
Get a Free Consultation:
Retirement Planning Solutions
Design your retirement portfolio to meet your goals consistent with how much risk you are comfortable taking.
Net Unrealized Appreciation
If you own employer stock in your retirement plan and if that stock has gone up when you retire or leave your company you should be aware of Net Unrealized Appreciation.
Mutual Fund & ETF Due Diligence
Offer a selection process using fi360 screening 10,000+ funds down to a couple hundred eligible for use in your retirement portfolio.
Because I Am Independent
No requirements to use a specific product. You benefit from advice and products tailored to your unique financial needs.
Review Your Retirement Accounts
Start your review with fi360’s proposal report to compare your current portfolio to the portfolio developed from your risk tolerance.
Hourly cost or fee-only with an estimate of a not-to-exceed price for the first consultation and annual follow-ups.
Rollover Advice for Individuals and Couples
- Review to fees in your 401k plan or 403b
- Review the fund lineup in your 401k plan or 403b
- Check if there are enough choices to provide retirement income security
- Calculate your retirement risk tolerance score
- Compare your retirement risk score with your current 401k or 403b allocation
- Recommend if you should leave your 401k or 403b in your plan or roll it to an IRA
- Design your retirement portfolio in your 401k, 403b, or IRA using your retirement risk tolerance and income goals
Please be sure to speak to your advisor to carefully consider the differences between your company retirement account and investment in an IRA. These factors include, but are not limited to changes to the availability of funds, withdrawals, fund expenses, fees, and IRA required minimum distributions.