High-Quality Services to Address Your Goals
RETIREBYDESIGN was founded with the goal of assisting clients in every aspect of their retirement, investment, and estate planning concerns. We strive to have a trusted partnership that will allow us to prudently navigate each client through life's most important journeys and create a customized plan for your financial confidence in retirement, as well addressing your legacy concerns.
Retirement Planning
Everyone has goals for retirement. Maybe your goal is strictly to enjoy your retirement on a boat without fear of running out of money. Maybe you want to live retirement to the fullest while leaving a legacy to your family or a favorite charity. Retirement is esteemed as a time in life for relaxation, traveling, enjoying family, and taking on new hobbies. As a retiree, you never want to find yourself spending this time in fear that you will outlive your money.
Planning for retirement is a customized process where we'll combine your investments, forecasting, budgeting, and your retirement goals into one cohesive plan to help you celebrate this time in life.
401-K/TSP/ IRA Rollovers
What are the benefits of rolling over my Employer Retirement Plan assets? These are some of the most common advantages. Rolling over your employer retirement plan assets to a personal IRA will widen your range of investment options for diversification of your portfolio, managing taxes, and providing greater estate planning flexibility. For more information on how we can assist you with IRA Rollovers, please visit our website, irarolloverhelp.com, by clicking the button below.
Disclosure:
Diversification does not guarantee a profit or protect against a loss in a declining market. It is a method used to help manage investment risk.
ESTATE PLANNING/ TAKING CHARGE OF YOUR LEGACY
As a “Planner” with many years of experience I cannot emphasize enough how important estate
planning is- regardless of your net worth-- especially if you have a spouse and children and/or own a
business. In fact your estate planning should go hand in glove with your retirement planning. We have
seen successful retirement plans implode in the end because of the absence of proper estate
planning.
There is a lot to consider for your particular situation. It starts with a proper will, along with medical
and financial directives and power of attorney in the event you cannot make decisions regarding
such. The designation of an executor as well as a guardian for special situations should be
considered. For many people the inclusion of various types of trusts should be considered--whether
a revocable trust or an irrevocable trust. Trust are almost always imperative for wealthy individuals,
but can serve an extremely useful purpose for most anyone.
Life Insurance plays a significant role in estate planning that provides the following:
- Sufficient income for surviving spouse and children.
- Inheritance equalization.
- Liquidity for estate taxes for higher net worth individuals.
A Complete List of Services
- Investment Management
- Social Security Planning/ Maximization
- Tax Planning
- Retirement Planning
- Insurance Planning
- Wealth Transfer Strategies
- Business Planning and Employee Benefits
- Charitable Giving
- IRAs
- Employer Retirement Account Rollovers
Financial Products Offered to Help Achieve Your Goals
- Customized Investment Portfolios
- Mutual Funds/ ETF's
- Annuities (Variable, Fixed, Indexed)
- Personal and Business Life Insurance
- Long-Term Care Insurance
Disclosure:
Mutual Funds and Exchange Traded Funds (ETF’s) are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from the Fund Company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest. An investment in the Fund involves risk, including possible loss of principal.
Disclosure:
Fixed Annuities are long term insurance contracts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty.
Please consider the investment objectives, risks, charges, and expenses carefully before investing in Variable Annuities. The prospectus, which contains this and other information about the variable annuity contract and the underlying investment options, can be obtained from the insurance company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.
The investment return and principal value of the variable annuity investment options are not guaranteed. Variable annuity sub-accounts fluctuate with changes in market conditions. The principal may be worth more or less than the original amount invested when the annuity is surrendered.