Preparing for retirement

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Lifetime Income Need

If you’re preparing for retirement one day, then Lifetime Income and real strategies to obtain this should be a serious consideration. The need to create a steady stream of income that you cannot outlive is something that the majority of financial planners and advisors do not consult you on. In fact, it is often NOT, retirement income planning, that they specialize in. We're experts in this subject matter and often exceed clients’ expectations on what they believe is even possible. If you are concerned whether or not Social Security income or your own savings will be enough for retirement, then creating a Personal Pension Plan, with the relevant retirement planning advice should be a key element in your retirement planning.

Health Care Needs

Health care needs and associated costs are constantly on the rise as we age. The problem is that without proper protection of your income or money, you will be forced to deplete your own resources for such costs. This will further delay or even eliminate retirement as a reality altogether. Government programs such as Medicare may provide some safety net, but often times, is not enough to face the rigorous challenges of Chronic Illness or Long-Term Care needs. These issues are a devastating reality to one’s retirement and should always be factored in to your retirement plans today in order to safeguard your financial well-being for your future.

Estate Protection

Transferring of your assets can be a daunting thing to think about. Understanding the impact of your decisions today matters if there are survivors who may be dependent upon the assets of your estate for their own financial security. Even if that’s not the case, proper estate planning is a critical element of retirement planning to ensure that your legacy passes on to your heirs in the manner in which you see fit for those that matter in your life. Larger estates that exceed your state’s Estate Tax Exemption limit may be under siege due to projected death taxes, which could potentially force unwanted liquidation of your assets if the proper planning to cover this tax liability is not done. (Please see your applicable state’s Estate Tax Exemption criteria.)