Retirement PlanningThat Works When You’re Finished Working

For many of us, retirement planning is something that tends to get pushed aside as we immerse ourselves in the “here and now” of running a business, managing properties, or maintaining a busy professional life.

But the importance of planning your retirement purposefully cannot be overstated. Building a retirement plan that works for you when you decide to stop working requires setting goals and implementing a plan that can provide sufficient income to support the retirement lifestyle you desire.

Retirement Planning

We Take a Three-Step Approach to Your Retirement Planning

Regardless of your age, career status, current level of savings, or time horizon, RBGWA can help you build a retirement plan tailored to your specific needs.

Our retirement planning methodology uses a three-pronged approach.

First, we get to know you, your financial situation, and long-term retirement goals.

Second, our advisory team prepares a comprehensive, personalized plan that aligns with your goals, considering your income, risk tolerance, timeline, and other factors.

And finally, we meet regularly to review your plan, monitor progress, update assumptions, and make adjustments as life and markets change.

Services

Our core retirement planning services are focused on growing and preserving the assets to support your retirement:

Retirement Plan Investment Management

Comprehensive Financial Planning

IRA Rollover and Distribution Planning

Income Projection Analyses

Fixed Income Strategies

Tax-Efficient Withdrawal Strategies

Analyzing the “what ifs”

Among the best-in-class tools used by our advisory team is eMoney, a comprehensive financial software program that allows us to track progress toward retirement goals and stress-test plans against various risks.

The platform’s Retirement Income Tool lets us create presentations, dashboards, and detailed plans focusing on generating income during retirement, accounting for all relevant factors like taxes, investments, and expenses.

Scenario and “what if” analyses enable us to show the potential long-term effects of various decisions, such as retiring early, downsizing a home, or responding to changes in market conditions.

FAQ

Frequently Asked Questions About Retirement Planning

These are some of the retirement questions we hear most often from professionals, business owners, and pre-retirees.

1. Am I saving enough to retire when I want to?

Determining whether you’re on track for your ideal retirement depends on your desired retirement lifestyle, income needs, and time horizon. We use advanced tools to run detailed projections and what-if scenarios, showing you exactly where you stand and what adjustments could help. Our personalized three-step process helps your plan fit your unique situation.

2. How do I create a reliable retirement income stream?

A reliable income stream combines Social Security, withdrawals, and other sources coordinated for tax efficiency and longevity. Our advisors focus on tax-efficient withdrawal strategies, fixed-income options, and distribution planning to help your savings last throughout retirement. Regular reviews keep the plan aligned as markets and needs change.

3. What happens to my retirement plan if markets drop significantly?

Market volatility is normal, so we stress-test plans to model various scenarios and confirm resilience. By maintaining appropriate diversification and risk alignment, we help clients stay on course without emotional decisions. Ongoing monitoring allows us to make thoughtful adjustments when needed.

4. Should I roll over my old 401(k) when changing jobs?

Rolling a 401(k) over to an IRA often provides more investment options, lower fees, and better consolidation, but it depends on your specific accounts and goals. Our team specializes in IRA rollover and distribution planning, reviewing your options to determine the most advantageous path while considering taxes and long-term growth.

5. How can I plan for healthcare costs in retirement?

Healthcare is one of the largest retirement expenses, so we incorporate Medicare, long-term care options, and HSAs into projections early. Using income projection analyses and scenario planning, we help clients prepare realistically while integrating risk management strategies to safeguard against unexpected costs.

Ready to Get Started on Your Retirement Plan?

Don’t put off retirement planning any longer. Our advisory team is ready to build a plan that fits your situation and retirement goals.