Financial Planning for Retirees


About The Case

Financial Planning for Retirees


Financial Planning for Retirees

You have retirement accounts in a few different places. So does your spouse.

Moreover, you haven’t met with a financial advisor to discuss a rollover or your retirement income goals. Many employers still skewing their employee’s 401(k) choices toward stock funds to grow their accounts rather than bond funds and annuities to distribute them. Reviewing a rollover might be right for you.

Tim’s Financial Planning for Retirees

  • Measure how well your investments match up with your risk tolerance and goals and income needs.
  • Make recommendations for changes to your finances if needed.
  • 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 to create 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 plan.


  1. Review the fees in your current 401k or 403b plan
  2. Check if there are enough choices to offer retirement income security
  3. Calculate your retirement risk tolerance score
  4. Compare your score with your current 401k or 403b allocation
  5. Recommend if you should leave your 401k or 403b in your plan or roll it over to an IRA
  6. Build your retirement portfolio in either your 401k, 403b, or rollover IRA using your retirement risk tolerance and income goals

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.

Financial Planning for Retirees



Congress recently passed, and President Trump signed, the SECURE Act the most significant change is how it treats non-spouse beneficiaries.



Risk tolerance measurement and analysis, together with your goals, is a good starting point when designing your investment portfolio.


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