Retirement Planning
Plan and Invest for your Retirement with a CERTIFIED FINANCIAL PLANNERTM
More Americans than ever are relying on financial investments to carry them through retirement.
Full pensions, which formerly provided income in the golden years, are becoming rare. Today, stocks, other assets such as 401(k) plans, and Social Security are primary sources of retirement income for seniors. Unfortunately, it is getting riskier for people to rely on Social Security as a key part of their retirement plan..
That's why it's vitally important to have a comprehensive wealth management plan in place while you are still working. Savvy retirement planning based on sound investment principles can provide the confidence today if you plan for the future.
A Retirement Plan is based on a Long Term Investment Strategy
The key to retirement is to get started. And it's NEVER too late to get started. In addition, working with a professional in retirement planning will help ensure that your financial plan will be designed and tailored to meet your retirement needs.
Perhaps you have a well-established investment portfolio. Or, maybe you have yet to begin managing your finances with an eye toward tomorrow. Whatever your situation, Shawn Claycomb, a CERTIFIED FINANCIAL PLANNERTM with over 25 years experience providing independent financial and retirement advice, offers common sense answers to questions everyone has when they begin considering planning for their retirement.
While everyone's retirement planning questions can be unique based on their age, career, and lifestyle, there are some basic questions that everyone who is interested in establishing a solid retirement plan has. Questions such as:
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How much do I need to retire?
Your financial planner can help you develop a retirement plan by calculating your retirement expenses, based on your needs and how much it will cost you to live in the manner you wish. Variables such as inflation and region of the country in which you will be living also need to be factored into the plan. -
What are my retirement plan benefits?
Some retirement benefits depend on your job and your employer. A 401(k) is an excellent retirement investment option and one of the easiest and best ways to save for retirement. It gives you an immediate tax deduction, tax-deferred growth on your savings, and usually a matching contribution from your employer. And don't forget to ask us about the new Roth 401(k) and if it is available through your plan. -
What are my retirement planning options?
Depending on the success of your retirement plan, pension availability, and other factors, you may be able to retire well before age 65. You may also be able to continue working and receive benefits. Since these questions can be confusing, your financial planner can help answer them. -
Will I have to cut back once I retire?
Growing old doesn't mean giving up the lifestyle to which you've become accustomed. There's no reason your finances should force you to change the way you live, if you have taken care to build and manage your wealth through an investment portfolio geared towards planning for your retirement. Partnering with a reputable financial planner can take the guesswork out of doing that.
Retirement Planning now for an independent future
Want to know you have a dynamic, wealth-producing investment portfolio that will fund your desired lifestyle through retirement? Call us today, at 916-355-8860. Shawn is a CERTIFIED FINANCIAL PLANNERTM who for more than 25 years, has fashioned customized retirement plans for investors. He can help you make the wise financial decisions that result in a carefree, contented retirement.
We support clients needing assistance with the retirement planning throughout Northern Californai, including the communities of Auburn, Cameron Park, Carmichael, Citrus Heights, El Dorado Hills, Fair Oaks, Folsom, Gold River, Granite Bay, Lincoln, Loomis, Orangevale, Placerville, Rancho Murrieta, Rocklin, Roseville, Sacramento, Shingle Springs, and Sloughhouse.