Retirement is Planning For the Best Days to Come
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| Retirement Planning |
With the increase of longevity, stock market volatility and the uncertainty of social security many people need to take
ownership of their retirement future. This could mean different things to different people but for most people better
retirement planning is critical to their financial future.
We take a parallel approach to retirement planning by analyzing your expenses, income sources and assets. This
approach better defines your required rate of return and the risk level needed to deliver the retirement life style you
desire. Due to recent market volatility having increased flexibility in your planning is important. We believe taking a
simple withdraw rate approach or average rate of return in just not sufficient any longer. A more proactive approach to
retirement planning is required.
The retirement planning process has three different stages. Your age and personal situation will determine the stage of
retirement planning you need. The three stages are:
Different approaches and planning techniques are required for each stage.
Retirement Saving Stage (More than 5 years)
In the Retirement Saving Stage the person usually has more than 5 years until retirement. At this stage we create a goal-
based plan to determine where you are in attaining those goals. We prioritize each goal and show the likelihood of
reaching each goal. We use a statistical modeling tool to help validate our results.
In this stage you may also be trying to balance the education of your children. Amrein Financial has expertise in this area
and can work you through this difficult financial process. To create the proper asset allocation we discuss and review a
risk tolerance that fits your goals and personalities. It is not a cookie cutter approach but very personalized. What if
scenarios are also created to best resolve current and future issues?
Retirement Decision Day Stage ( Within 5 Years)
The Decision Day Stage is a stage of both goal setting and detailed cash flow analysis. Because the retirement date is
within 5 years, the client has a much better idea of their actual expenses and the assets they have to fund their
retirement. At this stage we can better analyze the optimal retirement date based upon your specific goals and situation.
At this stage we create the first age banded cost analysis. This will assist in identifying any additional risks and improve
in optimizing your retirement plans. Preparing for retirement longevity and independence have become the biggest
concerns for individuals. Proper planning and monitoring can reduce your fears in retirement.
In this stage you still have time to make adjustments and can better envision your retirement life style. Creating a plan
that offers security and flexibility is critical. If you consider that your retirement may last almost as long as your
working career, you need to plan for the various twist and turns. Life is never a straight line. This is often overlooked
by most retirees and can cause problems later on in their retirement.
Retirement Living Stage (In retirement)
In the Retirement Living Stage you have retired and most of the planning is done to prioritize cash flow. At this stage we
are trying to prevent our clients from running out of money and minimizing their estate tax issues. With increased
medical cost and life longevity, this type of planning is critical. This is where the age banding planning is most
beneficial. This process better plans for the changes in your upcoming life style. It uses current inflation information
and can be personalized based on your current situation.
As stated earlier, our firm can handle all stages of the retirement planning process. We are here to give independent
financial advice that will enable you to make the best financial decisions. We do not sell any products, which ensure an
unbiased opinion to your future.
Please visit our “Resources” section; there is additional information about retirement planning available. Please also visit
and register for one of our upcoming webcasts. These are information sessions that cover various topics in retirement
planning.
Roth Conversion
A current retirement issue is the Roth IRA Conversion. It is not a simple decision. Tax Free does not always make it
better. We have an entire service page dedicated to this decision. Please visit the Roth IRA and Conversion Decision.
IRA, SEP, 401K or 403B Rollovers
Many people have various retirement accounts for a variety of reasons. In most cases it is beneficial to consolidate these
various retirement accounts for estate and portfolio simplification. Please contact us if you need assistance in this
decision process.
ownership of their retirement future. This could mean different things to different people but for most people better
retirement planning is critical to their financial future.
We take a parallel approach to retirement planning by analyzing your expenses, income sources and assets. This
approach better defines your required rate of return and the risk level needed to deliver the retirement life style you
desire. Due to recent market volatility having increased flexibility in your planning is important. We believe taking a
simple withdraw rate approach or average rate of return in just not sufficient any longer. A more proactive approach to
retirement planning is required.
The retirement planning process has three different stages. Your age and personal situation will determine the stage of
retirement planning you need. The three stages are:
- Retirement Saving
- Decision Day
- Retirement Living
Different approaches and planning techniques are required for each stage.
Retirement Saving Stage (More than 5 years)
In the Retirement Saving Stage the person usually has more than 5 years until retirement. At this stage we create a goal-
based plan to determine where you are in attaining those goals. We prioritize each goal and show the likelihood of
reaching each goal. We use a statistical modeling tool to help validate our results.
In this stage you may also be trying to balance the education of your children. Amrein Financial has expertise in this area
and can work you through this difficult financial process. To create the proper asset allocation we discuss and review a
risk tolerance that fits your goals and personalities. It is not a cookie cutter approach but very personalized. What if
scenarios are also created to best resolve current and future issues?
Retirement Decision Day Stage ( Within 5 Years)
The Decision Day Stage is a stage of both goal setting and detailed cash flow analysis. Because the retirement date is
within 5 years, the client has a much better idea of their actual expenses and the assets they have to fund their
retirement. At this stage we can better analyze the optimal retirement date based upon your specific goals and situation.
At this stage we create the first age banded cost analysis. This will assist in identifying any additional risks and improve
in optimizing your retirement plans. Preparing for retirement longevity and independence have become the biggest
concerns for individuals. Proper planning and monitoring can reduce your fears in retirement.
In this stage you still have time to make adjustments and can better envision your retirement life style. Creating a plan
that offers security and flexibility is critical. If you consider that your retirement may last almost as long as your
working career, you need to plan for the various twist and turns. Life is never a straight line. This is often overlooked
by most retirees and can cause problems later on in their retirement.
Retirement Living Stage (In retirement)
In the Retirement Living Stage you have retired and most of the planning is done to prioritize cash flow. At this stage we
are trying to prevent our clients from running out of money and minimizing their estate tax issues. With increased
medical cost and life longevity, this type of planning is critical. This is where the age banding planning is most
beneficial. This process better plans for the changes in your upcoming life style. It uses current inflation information
and can be personalized based on your current situation.
As stated earlier, our firm can handle all stages of the retirement planning process. We are here to give independent
financial advice that will enable you to make the best financial decisions. We do not sell any products, which ensure an
unbiased opinion to your future.
Please visit our “Resources” section; there is additional information about retirement planning available. Please also visit
and register for one of our upcoming webcasts. These are information sessions that cover various topics in retirement
planning.
Roth Conversion
A current retirement issue is the Roth IRA Conversion. It is not a simple decision. Tax Free does not always make it
better. We have an entire service page dedicated to this decision. Please visit the Roth IRA and Conversion Decision.
IRA, SEP, 401K or 403B Rollovers
Many people have various retirement accounts for a variety of reasons. In most cases it is beneficial to consolidate these
various retirement accounts for estate and portfolio simplification. Please contact us if you need assistance in this
decision process.
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| Contact Information: Amrein Financial PO Box 468 Wynnewood, PA 19096 610 789 1255 Info@AmreinFinancial.com |
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People need to take ownership of their retirement future.