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Pre-Retirees and Retirees

When you are approaching the greatest financial decision of your life, Can I Retire, and with what type of lifestyle.  

There are multiple parts to making that decision.  Most financial planners focus on the financial aspect of it.  That is important, but it is not the only factor to consider.  

Financial – 

you need your assets to replace the income you are earning from your hard work.  We work with you to create a customized plan to replace your income.  There are many different strategies, and no two plans are exactly alike.  It is important to work with an advisor that looks at your individual needs, goals, comfort level with taking risk and desired flexibility.  

-Emotional/Sense of purpose/Fulfillment

Too many individuals simply retire to not have to work anymore.  This creates problems down the road because they will soon find that there is not much fulfillment in sleeping in, watching TV, playing golf every day, or even traveling the world.  While each of these are good at times, if the sole purpose is to not have to work, then you could find yourself not living the retirement of your dreams.  Find a reason to get up each morning.  Retirement is not about not working, it is about being able to do what you truly love because you don’t have to worry about your finances.  To some, that is creating a business in a field they are passionate about.  To others, it is volunteering in their church or at a shelter.  Find what it is that will make you excited to get up each day.  


Many individuals don’t realize the social loss that happens at retirement.  Find ways to make friends/relationships.  Find others with similar interests. 

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