Retirement

 

 

Not too long ago retirement meant being given a gold watch and then quietly living out one's remaining few years with family. But changing life-styles, increased longevity and improved expectations have drastically altered the nature of retirement. Today, people anticipate active, vibrant retirements in which they enjoy life and economic self-sufficiency. They see retirement not as a short final phase of life, but as a reward phase of life -- the icing on the cake. What's more, a significant percentage of the population has become increasingly interested in achieving the financial independence currently associated with retirement. Put another way, the so-called graying of America has resulted in a maturing retirement planning movement.

Retirement planning is no easy process. It is a multidimensional field. Unfortunately, many planners approach retirement planning from only one point of view. The holistic approach to retirement planning is the only means by which your needs can be fully and adequately met. Here at AFM we communicate with you about such topics as:

  • employer-provided retirement plans
  • social security
  • income tax issues
  • insurance coverage
  • investments
  • long-term care options
  • retirement communities
  • relocation possibilities
  • wellness
  • nutrition
  • life-style choices
 
Your AFM comprehensive financial plan includes answers.
  • How much will be needed for retirement?
    • Using your goals for all of your life stages, scenarios are prepared to help you determine your financial needs for retirement.
  • Where will the money come from?
    • From your cash flow analysis, an appropriate allocation for retirement savings is recommended.
  • What are the appropriate savings vehicles?
    • We help you determine the appropriate funding levels for your employer retirement plan and your ROTH or Traditional IRA.
  • How do you manage the funds to the fullest potential?
    • By utilizing your Investment Policy Statement, appropriate asset allocations are determined taking into consideration your total portfolio.
 
Retirement planning is a critical part of our planning process.  No matter the stage of your life, we can help you answer your questions and maximize your retirement assets.

 
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