10,000 baby boomers will retire every day for the next 19 years.  Are you one of them?

Accumulating the assets necessary to fund your retirement is a major accomplishment.

However, it is only the first step.

Depending on your goals, your age, and your net worth, there are numerous strategies and planning opportunities for anyone considering retirement within as many as ten years. The ideal retirement looks different to every individual, and the planning opportunities can continue up through, and even many years beyond retirement.  

Do you have a Spend Down plan?

"WHAT'S A SPEND DOWN PLAN?"

'Spend Down' is just another name for the withdrawal phase of your investment portfolio. 

The skill set and knowledge base required to create and implement an effective spending plan for your retirement that will reduce the chances of exhausting your assets is substantially different than the skills needed to accumulate those same assets during your working years.

The withdrawal phase is much more complicated, and the consequences for making mistakes are higher. Developing a 'spend down plan' is one of the most critical, yet overlooked components of preparing for retirement.

We can help create a spend down plan that will maximize your chances of having the retirement of your dreams.  

Frequently overlooked planning opportunities

• Failing to leverage the low income "black out" period between retirement and filing for Social Security
• Investment portfolios that aren't structured tax efficiently, creating more taxes and lowering an investor's net return
• Outdated estate documents that create an unnecessary Family Trust at death of first spouse and eliminate the opportunity to get a double-step-up in cost basis
• Failing to strategically plan their income and deductions around the various income tax thresholds
• Failing to anticipate and strategically evaluate most effective way to take Required Minimum Distributions (RMD)
• Failing to evaluate and opportunistically coordinate 'Roth IRA conversions'