Whether you are already retired or nearing retirement, at this stage of your life, your tolerance for risk may have changed. You need to protect the value of your retirement savings, yet grow them to provide enough income to last your lifetime. With thoughtful, detailed planning we can help create financial strategies designed to give you confidence in your financial future.
We craft your tailored retirement plan with the following financial services:
Retirement Income Planning
We develop a strategic income plan that focuses on lifetime income using insurance products, such as annuities, Social Security optimization, and tax reduction strategies to help ensure a lasting retirement income.
We carefully align your financial plan with your retirement goals throughout your lifespan and beyond by diversifying assets among a variety of investment and insurance vehicles.
IRA & 401(K) Rollovers
We facilitate the rollover of your retirement savings accounts – helping avoid unnecessary taxes, penalties, and fees and finding the best vehicle to conserve and grow your rollover assets.
Tax & Estate Planning
It’s more important than ever to incorporate tax and estate planning into your portfolio to ensure that your wishes are fulfilled and your loved ones are cared for past your lifetime.
Investment & Portfolio Management
Our management style focuses first on wealth preservation and provides retirement investment solutions tailored to the goals of each client and their desired level of risk.
Typically in the form of a universal life or whole life policy — Life Insurance can help families provide funding to pay estate taxes and provide other benefits for protecting wealth.
Retirement Planning Steps:
Next we seek to understand where you stand financially in terms of retirement savings and investment and whether your current portfolio matches your future retirement needs and goals. We assess the following:
- risk and volatility of your portfolio
- type of returns your portfolio is designed for
- fee analysis to review disclosed and undisclosed mutual fund fees, adviser fees, and variable annuity fees
Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Global Financial Private Capital or GF Investment Services.