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What Retirement Planning Really Means
Retirement planning is about answering the most important questions clearly and honestly:
- When can I retire?
- Will I have enough to live the lifestyle that I want?
- How much can I spend, and how long will my money last?
- What are the most appropriate investments for my needs?
- Should I convert my 401k or Traditional IRA to a Roth IRA?
- How do I minimize my lifetime tax bill?
- How do I navigate Medicare?
- When should I claim Social Security?
- How will I pay for a potential long-term care expense?
- Do I need an updated will...a trust...powers of attorney?
- Who will help guide my spouse after I'm gone?
Our approach coordinates income, investments, taxes, healthcare, and estate planning into one integrated retirement strategy.
Retirement Planning for Pre-Retirees (5–10 Years Out)
If retirement is approaching, the decisions you make now matter more than ever.
We help you:
- Determine a realistic retirement timeline
- Stress-test your plan before you stop working
- Align accounts with short-, mid-, and long-term needs
- Reduce tax surprises before retirement begins
- Prepare for Social Security and Medicare decisions
The goal is clarity—so retirement feels planned, not rushed.
Retirement Planning for Retirees
Once you retire, the focus shifts from accumulation to income, stability, and flexibility.
We help retirees:
- Create reliable income from multiple sources
- Manage withdrawals during good and bad markets
- Control taxes year-by-year
- Plan for healthcare and long-term care costs
- Adjust spending and strategy as life evolves
Retirement planning doesn’t stop at retirement—it becomes ongoing guidance.
What Our Retirement Planning Covers
Retirement Income Planning
- Social Security claiming strategies
- Pension and guaranteed income analysis
- Coordinated withdrawals from retirement accounts
- Sustainable, long-term cash-flow planning
Investment Strategy for Retirement
- Disciplined diversification and asset allocation
- Using low-cost, tax-efficient investments
- Ongoing investment monitoring and rebalancing
- Aligning investments with income needs and time horizon
Tax Planning in Retirement
- Roth conversion analysis
- Required Minimum Distribution (RMD) planning
- Tax-efficient withdrawal sequencing
- Managing lifetime tax exposure
Healthcare, Medicare & Long-Term Care
- Medicare enrollment and coverage decisions
- Planning for rising healthcare costs
- Long-term care planning alternatives
- Understanding how healthcare impacts retirement income
Managing Retirement Risks
- Market downturns and sequence-of-returns risk
- Inflation and purchasing-power erosion
- Longevity risk and extended retirements
- Coordinating guarantees and growth
Legacy & Beneficiary Planning
- Beneficiary and account-titling reviews
- Inheritance and charitable planning strategies
- Coordination with estate planning attorneys
- Helping ensure your wishes are carried out
Members of Ed Slott's Elite IRA Advisor Group train with Ed Slott and his team of IRA Experts on a continuous basis. These advisors pass regular background checks, complete requisite training, attend semi-annual workshops, webinars, and complete mandatory exams.
They are immediately notified of changes to the tax code and updates on retirement planning, so you can be sure your retirement dollars are safe from unnecessary taxes and fees.
Additionally, members have access to us, America’s IRA Experts to answer any tough questions or planning needs.