Confidently preparing for a comfortable retirement

For individuals approaching retirement, many questions arise. When can I retire? What does life look like at 62? Or 70? Will I have enough? Preparation is key in determining when to retire or how much longer to work to be able to maintain your lifestyle.

Our goal is to help you have a plan in place for preserving your wealth and creating a sustainable income stream throughout your retirement while maintaining your standard of living. This includes having a withdrawal strategy that addresses both your need for monthly income and your desire to make your money last. We will create a personalized plan designed to help preserve your wealth and mitigate the impact of market risk, taxes and inflation.

Since Social Security benefits can play an important role in providing retirement income, Social Security analysis is part of the planning services we offer. We can help you determine your eligibility, when best to file, and how to potentially maximize benefits for you and your spouse.

We will help you manage your required minimum distributions and determine tax-efficient ways to draw income from your investments. We’ll also collaborate with your legal, accounting and insurance professionals on important matters such as estate planning, life insurance and long-term care.

There is no assurance that any investment strategy will be successful. Investing involves risk including the possible loss of capital.

Meet Tim: Business owner, manufacturing


Tim, a third-generation owner, grew up in the family business of lubricant distribution. Thirty years ago, he diversified from distribution into manufacturing and has focused on providing a solid base to continue the company’s success. Like many business owners, Tim sought help with how to maximize the investment in his business, and how to capitalize on his sweat equity and build the ability to retire. Tim also wanted to maintain current control and to preserve the business for his son, who is active in the business, while also preserving value for his daughter.

We can assist with:

  • Identifying a risk tolerance
  • Diversification of investment accounts
  • Corporate benefits review
  • Securities Based Line of Credit*
  • Long-term financial planning and goal setting
  • College savings accounts

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.

*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.

*This is a hypothetical example for illustration purposes only.