Services for Pre-Retirees & Retirees

When preparing for retirement, you not only need to consider how to accumulate wealth to sustain you in your post-earning years, but you should also establish strategies to protect and augment that wealth throughout your financial journey. We offer numerous strategies to maximize your earning power now, and we’ll help you identify ways to protect your business and personal assets from liabilities as you grow and save for your future. We also provide strategies to safeguard asset transfer to your children and grandchildren. As we develop your retirement strategy, we’ll help you determine the best course of action to achieve your specific goals and vision for the future.

Your wealth has the power to impact lives, and charitable planning allows you to create a brighter tomorrow for others as you prepare for your own future. We help you leverage your financial strategies in a way that maximizes impact for the causes you care about and support your personal financial goals. We’ll develop strategies that allow you to leverage opportunities to give back, reduce your tax burden, and provide additional income streams for your retirement. Retirement is a chance to enrich your life as well as others—let us help you prepare for those opportunities in the most effective way possible.

Please seek tax advice from your own tax advisors.

Retirement planning isn’t only about saving wealth for the future—it’s about protecting your income now and preparing for unexpected events that could impact your financial security. A comprehensive retirement plan takes into account potential circumstances that could delay your retirement or affect your future cashflow. We’ll help you identify these risk factors and establish safeguards to protect your assets and manage potential unexpected expenses. We offer solutions for disability insurance and extended care needs that ensure you have a balanced portfolio that’s stable for any future.

Products available through one or more carriers not affiliated with New York Life Insurance Company, dependent on carrier authorization and product availability in your state or locality.

Your 401(k) might feel like a distant aspect of your hiring paperwork until it comes time to retire. These accounts can be incredibly useful assets for your retirement, and it’s important to optimize your opportunities from these plans. We’ll work with your tax advisor to help you determine the best course of action for your existing 401(k) or IRA that aligns with your overall retirement goals.

When you leave a job or retire, you have a decision to make regarding your 401(k) money. Depending on what your plan allows, you might be able to leave those assets in your former employer's account or transfer the money to a different fund. If the plan allows for transfers, you could put the money into your IRA or transfer it to your new employer, if your new employer offers a 401(k) plan that qualifies for rollovers.

Each choice offers advantages and disadvantages, depending on your specific needs and goals. We’ll help you determine a decision based on each account’s investment options and services, applicable fees, expenses, and withdrawal options. We’ll also help you consider each account’s minimum distribution options and tax requirements and how that affects your objectives. Whatever your plan allows, we’ll help you take advantage of the best choice for your future goals.