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Retirement Planning


  • Make the most of your employer-sponsored retirement plans and IRAs.

  • Determine how much you need to retire comfortably.

  • Manage assets before and during retirement.*

  • Make sure you don’t pay more in taxes than the law requires.

  • Look for ways to reduce your current and future tax burden.

  • Refer you to qualified tax specialists.*

Our Approach

Retirement Readiness Planning - We help you determine if your current actions will allow you to retire when you want, with the lifestyle you desire. In other words, are your retirement goals realistic? We help you to formalize your retirement plan, optimize your retirement savings, provide a roadmap to serve as a guidepost going forward to improve your chances for success.  

Retirement Cash Flow Planning – A major concern for retirees is how to generate an income once they no longer have a paycheck. We develop a plan to provide for an inflation-adjusted cash flow designed to maintain your lifestyle throughout your retirement years and, at the same time, preserve your nest egg for you and for the benefit of your beneficiaries. We determine the optimal strategy for when and how much to withdraw and where to withdraw from.

Social Security Analysis – We review your options regarding your own retirement benefit, spousal benefit, and survivor benefit if available. When to claim your benefits and how to synergize with your spouse are critical. We will coordinate your Social Security benefit with other retirement resources, assess your cash flow requirements – now and in the future, reduce or eliminate taxes on your benefits and make sure that you make educated and well-informed choices.

Annuity Review – We do a comprehensive review of existing annuities. We evaluate the registration in terms of ownership, annuitant, and beneficiaries. We uncover internal expenses – something most annuity owners are not aware of. We evaluate living benefit features – which is also something that most annuity owners do not fully understand. We determine if existing annuities are still meeting your financial objectives and if better alternatives are available.

401(k), 403(b) Employer Plans – For many people, their employer-sponsored plan is their largest investment asset. We review employer matching features and the palette of investment choices to ensure you take advantage of available opportunities and coordinate with your overall plan. When you separate from service or retire, we will help you evaluate your rollover options and help you decide which actions will work best for you.

IRA Planning – Optimizing the use of IRAs’ is an important part of financial planning. We take advantage of opportunities for tax-deferred growth in traditional IRAs and tax-free growth in Roth IRAs. We advise on Roth IRA conversions, deductibility of contributions, and penalties for early withdrawals. We calculate required minimum distributions and ensure that IRS requirements are met on a timely basis. Beneficiary designations are reviewed to ensure accuracy, up-to-date contact information, and conformity with current wishes.

Tax Reduction Planning - We will analyze your tax picture, including a review of your tax return and Form 1099s to find opportunities to reduce your tax liabilities – in the current year and years going forward. We do not prepare tax returns, but we will coordinate with your CPA or tax professional to ensure comprehensive and complete care.

* Securities offered through American Portfolios Financial Services, Inc./ Financial Planning through American Portfolios Advisors, Inc.