Decorative Tilda

Helping make retirement the enjoyable experience it can be

The need for a financial plan doesn’t just end with retirement. Because people are living longer today, the possibility of going 30 years without a paycheck takes careful planning and disciplined investing. In fact, a couple aged 65 has a 25% chance of at least one spouse living to age 96.*

It is important to have an experienced financial advisor whose goal is to help you with preserving your wealth, creating sustainable income throughout retirement and maintaining your standard of living. To this end, there are many things we do. One is to create a personalized plan designed to preserve your wealth and mitigate the impact of market risk, taxes and inflation. This includes having a sustainable withdrawal strategy to strike a careful balance between your need for monthly income and your desire to make your money last your lifetime.

We will help you differentiate your essential living expenses from aspirational lifestyle expenses, manage your required minimum distributions and determine the most tax-efficient ways to draw income from your taxable and tax-deferred investments.

We’ll also make sure to review important matters such as Social Security and Medicare. Plus, we’ll collaborate with your legal and insurance professionals on important matters such as having a plan for your estate, and having the protection provided by life insurance and long-term care insurance. You’ve worked hard all your life to arrive at this significant stage of your life. Our goal is to help you enjoy it.

For additional helpful information, click here.

*Source: Annuity 2000 Mortality Tables. Created by Raymond James using Ibbotson Presentation Materials © 2011 Morningstar. All Rights Reserved. 3/1/2011

Meet George and Barbara: Retired, multigenerational and family legacy planning

George and Barbara retired after careers as a pharmaceutical executive and a teacher, respectively. Together they raised three children and are now the proud grandparents to seven. As their children turned into adults, George and Barbara worked to instill the importance of planning for their financial futures and their eventual retirement. Now, the focus includes preparing the third generation with the same life lessons of financial responsibility.

We can assist the three generations of their family with:

  • Lump sum vs. pension distribution
  • IRA investments and distributions
  • Income management
  • Securities Based Line of Credit*
  • Lifetime gifting
  • Will and trust development for equalization and distribution of assets
  • Goal Planning & Monitoring
  • College savings accounts

*A Securities Based Line of Credit may not be suitable for all clients. Borrowing on securities-based lending products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. The securities in the pledged account(s) may be sold to meet the collateral call, and the firm can sell the client’s securities without contacting them. The interest rates charged are determined by the market value of pledged assets and the net value of the client’s Capital Access account. Securities Based Line of Credit provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, a federally chartered national bank.

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