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Financial Planning for Retirees

Financial Advisor Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®
  • Measure how well your investments match up with your risk tolerance and goals and income needs.
  • Taxes design a strategy for minimizing your tax burden.
  • Portfolio recommend investments based on explicit balance of growth vs. security
  • Figure out whether you should keep your 401(k) or 403(b) with your previous employer or roll it into an IRA, where I will build you a new portfolio.
  • Build that portfolio using your risk tolerance with the goal of creating enough retirement income but not outliving your money.
  • Look over any pension options for which you may be eligible, review any Social Security and Medicare questions you may have.
  • Examine any group life policies you may want to convert to an individual policy.

ROLLOVER CHECKLIST

I advise you on rollovers from your employer’s retirement plan including plans in which you own company stock. I then design stragies for income planning during retirement.

  • Review the fees in your 401(k) plan or 403b
  • Check if there are enough choices to offer retirement income security
  • Calculate your retirement risk tolerance score
  • Compare your score with your current 401(k) or 403b allocation
  • Recommend if you should leave your 401(k) or 403b in your plan or roll it over it to an IRA
  • Design your retirement portfolio in either your 401(k), 403b or rollover IRA using your retirement risk tolerance and income goals

Note

Please be sure to speak to your advisor to carefully consider the differences between your company retirement account and investment in an IRA. These factors include, but are not limited to changes to the availability of funds, withdrawals, fund expenses, fees, and IRA required minimum distributions.

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Financial Advisor  Tim Hayes AIF, CRPS, AWMA, CFS, APMA

 

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