Financial Planning for Retirement
Your Retirement Journey
For the vast majority of your working career, there is a sense that retirement is a goal to be attained, much like reaching the top of a mountain while hiking or crossing the finish line at a marathon. The reality is that it’s more of a threshold to be crossed as you transition to a new phase. Our goal is to help you smoothly move into this phase with confidence and knowing that you are ready. Whether it’s providing educational and insightful content, modeling different scenarios around spending, or crafting a strategic investment approach, we truly want this period to be an enjoyable time in your life. You have worked really hard to get to this point—let us work equally hard on your behalf.
Our Retirement Planning Offerings
Highly Personalized Retirement Planning
No two retirements are the same. We work closely with you to develop a tailored plan based on your lifestyle goals, anticipated expenses, and unique financial situation. Our process includes:
– Evaluating your current financial standing
– Projecting future income and expenses
– Creating strategies to close any gaps in your retirement savings
– Ongoing monitoring and support as life changes
Investment Management
We take the stress out of investing during retirement. Our team will design and manage a diversified portfolio to help sustain your income needs while managing risks. Services include:
– Retirement income-focused investment strategies
– Portfolio rebalancing to align with your risk tolerance
– Ongoing monitoring to adapt to changing markets and life circumstances
Retirement Income Strategies
Maximizing income during retirement is crucial. The goal is helping you realize a steady income stream while preserving your savings. Our strategies include:
– Social Security optimization
– Pension and annuity analysis
– Withdrawal strategies that minimize tax implications
Tax-Efficient Planning
Taxes don’t stop in retirement, but they can be managed. We’ll guide you on how to structure withdrawals and allocate investments to minimize your tax burden, including:
– Strategic Roth IRA conversions
– Tax-loss harvesting
– Understanding required minimum distributions (RMDs)
Legacy and Estate Planning
Your retirement plan should also account for the legacy you wish to leave. We partner with estate planning professionals to ensure your wealth is passed on according to your wishes. Services include:
– Reviewing wills and trusts
– Charitable giving strategies
– Coordinating with your legal and tax advisors for comprehensive planning
Health Care and Long-Term Care Planning
Medical expenses can quickly derail a retirement plan if unprepared. We’ll help you anticipate and plan for healthcare costs, including:
– Medicare enrollment guidance
– Long-term care insurance review
– Strategies for managing unexpected medical expenses
Why Choose Breakwater Capital Group?
We understand that retirement is about more than finances—it’s about creating a life filled with purpose, relaxation, and joy. With our expertise, you can focus on what matters most while we handle the complexities of financial planning. Let us help you achieve peace of mind and confidence in your retirement years.
Start Planning Today
The earlier you start planning, the more options you’ll have. Contact us to schedule a consultation and take the first step toward a secure and fulfilling retirement.
