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Retirement Planning

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It may seem like you have all the time in the world to plan for retirement, but it can sneak up faster than you think. Whether you own your own business or have been employed for years, it can take a lot of careful planning to achieve the retirement you envision. 

What’s the best way to keep your retirement on track? We are a firm believer in asset management as part of the retirement planning process. 

That includes: 

  • Establishing objectives 
  • Developing wealth building strategies 
  • Reviewing progress regularly 

As part of the retirement process, we will sit down and determine your retirement goals based on your input, then advise you how to get there.

Whatever your goals, good retirement planning can help you have the life you want to live when you are ready to stop working. You need to understand the options available to you and the decisions you need to make in order to get the retirement you want. 

When it comes to planning for your retirement, you’re in charge. At Couto DeFranco Wealth Management, we use your goals for retirement to help you understand how to manage your savings so that you’re getting the most value out of your money while minimizing tax liability. 

Retirement planning is a key part of our tax-smart framework. Saving for retirement is many people’s first priority when they first begin investing, and we are committed to helping our clients find options to fund the retirement they want. 

When we talk to clients about money and retirement, we ask these questions: 

  • How much do you want to spend?
  • What are the different tax rates presented to you?
  • What accounts do you plan to take money from so that you won’t be pushed into a higher tax bracket?
  • How do you have your money invested?
  • Where is your income coming from?
  • Do you have a safe place to pull money from in case of an emergency? 

Our goal is to make sure that your income is sustained during the years of your retirement, regardless of changes to tax laws. As an independent firm, we give unbiased advice that will help you find the right retirement plan for you and your employees, so you can look forward to realizing your retirement dreams.