Do I have enough money and how long will it last?

These questions are challenging for anyone. That’s why it’s critical to have the right partner on your team. At Financial Insights, we specialize in planning for retirement. We want to be that partner as you enter one of the most important planning times in your life.

We want to create the best retirement plan for you. To help you get started, we’ll help you gather all of your information as we work together to craft a strategy that meets your goals.

Retirement Checklist

  • Monthly Income & Expense Projections
  • Employer Pension Plan vs. Lump Sum Distribution
  • WA State Teachers/PERS Retirement Pension Options
  • TIAA-CREF 403(b) Retirement Income Options
  • Company Defined Benefit Plans, 401(k) plan options and IRA Rollovers

We refer to the ‘accumulation phase’ as the period of time in your life where you are working and making retirement plan contributions. We offer tailored investment advisory solutions on decumulation and how to withdraw your money and from which accounts.

Did you know?

Barring any changes to the current Social Security formula, in 2033 the Social Security Trust Fund will only be able to pay approximately 75 cents for each dollar of scheduled benefits. Options discussed for wealthier older retirees may include a “means test” to determine benefit amounts. For younger Americans, (usually referred to as 55 years and younger) there will be sweeping changes that may include higher contribution percentages and working longer until Full Retirement Age (FRA) to receive the maximum benefit.

  • Investment “Decumulation” & Income Tax Strategy
  • Social Security Strategies
  • Medicare Planning

FINDING ANSWERS

Your retirement is about one person: YOU. We get that. That’s why we focus on having a two-way conversation, and our job at Financial Insights is to ensure that your voice is heard. We are realistic in our expectations, practical in our approach and never try to pigeonhole you into a preconceived plan. Let us help you realize a retirement plan you can enjoy.