“WHAT IF WE RUN OUT OF MONEY?”

It’s the number one concern.

You’ve spent a lifetime accumulating “For Retirement.”

Planning your Wealth Strategy in advance helps you transition to “In Retirement” with confidence.

Things will be different:

  • You won’t be in a lower tax bracket – because most, if not all, of your tax deductions are gone.
  • The “Safe Withdrawal Rate” your financial advisor is suggesting will not guarantee that your nest-egg will survive.
  • Taxes and Market Risk have proven to be unstable with no believable predictions for the future.
  • How will you know what asset to liquidate first to stretch the income beyond the “standard” numbers.

YOU NEED TO PLAN AHEAD SO THAT YOU KNOW WHAT TO DO

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PROPER WEALTH STRATEGY INCLUDES

THE TRANSITION

At “Retirement” you stop accumulating and begin Distributing.

You will need to transition to some “Guarantees” to assure that the markets, tax law changes and unforeseen events don’t cause you to run out of money.

REDUCE RISK

There are many ways to reduce the impact of the IRS and Market Risk on your portfolio.

Moving your “Can’t Loose” money early protects you from the reality that the ever increasing national debt and fluctuations in the investment markets will have on your assets.

LEAVING A LEGACY

After you have assured your lifetime income, many of us plan to leave meaningful legacies to our family, friends and charitable organizations.

Through cash-flow modeling, you are able to project income and legacy giving while reducing or eliminating the effect of taxes on your estate.

CREDIBLE WEALTH STRATEGY

To be credible, any form of wealth planning must help you address the following issues:

DETERMINING AFTER-TAX CASH FLOW

AFTER-TAX CASH-FLOW :   The only number that means anything “In Retirement” is the amount of money after taxes that will be needed to fund your lifestyle.

That number is then used to gauge the impact on long-range Net Worth (including a factor for inflation).

CREATING THE "OPTIMAL" RETIREMENT STRATEGY

After identifying the required cash flow, you Illustrate revisions to the asset mix to improve Cash Flow and maximize Net Worth.

DISTRIBUTING THE INCOME EFFICIENTLY

CASH-FLOW MODELING:  Calculates the most efficient distribution from liquid assets to produce the required Cash Flow.  

Knowing the SEQUENCE OF WITHDRAWAL will extend the money as far as possible and reduce the taxes.

PREPARING FOR VARIATIONS IN ESTATE TAXES

ESTATE TAX EXEMPTION AMOUNT:   In 2024, an individual can exclude up to $13.61 million from Estate Tax liability. 

But like everything else with the Government – it will change.

In January of 2026 that number will drop to around $6.8 million.  You need to consider the effect this might have on your planning.

PREPARING FOR EMERGENCIES

Emergencies can ruin a good plan.  You will need to determine which assets to convert to liquid assets at any time a shortfall of required Cash Flow exists.

LEAVING A LEGACY

Leaving a Legacy for your family and charities has many benefits while you are alive, and continues your influence long after you are gone.

Planning now allows you to be in control of who gets the money, and can help you see whether they will use the money in a wise way.

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