Taking the step into retirement can be daunting. You have been working hard to establish your financial future, and now the future is here. It’s time for you to enjoy the rewards of your hard work and diligent planning. Still, there are always financial decisions and challenges, and we want to help you navigate through them.
Transitioning into retirement doesn’t mean your financial journey is complete. It is just changing as you enter this new stage of life. You still have decisions to make, and we will give you the information and support you need to continue down your path with purpose. Here are just a few questions we can help answer.
One critical task for us is to determine whether your current risk exposure matches your personal risk tolerance. Risk appetite depends on numerous factors and varies by individual preference and circumstances. It’s also vital that your portfolio choices are working toward meeting your current or future income needs within those risk parameters.
You have worked hard to accumulate assets, and you want to ensure that your intended heirs get their designated portion. We will advise you on necessary tax planning and other measures you can take to help maximize the assets you leave to your beneficiaries.
As we age, we often need additional assistance to live comfortably and safely. In some cases, that safety net may include long-term care. You may have questions about long-term care insurance, including the cost, how much you need, and even how it works. We will explain the coverage, costs and timing.
We will conduct a comprehensive review of any current policies you own and evaluate your need for additional or alternate insurance products.
For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.
The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.
Our approach is personal. We strive to develop strong alliances with our clients so we can better support your goals and objectives.
Our team of experienced financial professionals is dedicated to supporting your financial journey at every stage of life.
Contact our team to schedule an introductory meeting to determine whether our approach aligns with your preferences.