Retirement Planning

Retired Couple on Bikes

Planning For and In Retirement

Wherever you are in your career plan, you need to be saving for retirement. But how you save, and how your money works for you, shifts dramatically as your life changes.

Family Legacy works with people of all ages – from those just entering the workforce to those ending their careers, to people who are self-employed or owners in closely held businesses – we can help you envision, budget for, plan for and enact the most tax-efficient path to financial freedom for your personal situation.

Family Legacy takes a holistic approach to retirement planning that begins with asking you what you want out of life. We then construct a multi-faceted plan focused on your needs, your family needs, and where you are in life (and where you want to be!). Our retirement planning includes:

  • Income & Expense Analysis: What are your incomes and expenses, and how will they change over time?

  • Portfolio Allocation / Risk Tolerance: Is your portfolio too risky or too conservative? Should your investment allocation change based on your time horizon? Learn more about Accumulation Planning.

  • Sustainability: Your savings are the vehicle that provides you with financial options throughout your life. Adequate savings are required to accumulate, and reasonable distribution rates are required to maintain. As modern medicine progresses, and more of us focus on health and lifestyle, long life becomes more commonplace. Running out of money is not an option.

  • Required Minimum Distribution (RMD) Planning: Minimum distributions must be taken at a certain age from tax-deferred accounts. We help calculate these required withdrawals and monitor your portfolio’s allocation to preserve your capital. When generating cash for your RMDs, Family Legacy Advisors consider the tax consequences of these transactions in an effort to minimize capital gains.

  • Longevity: Are you financially prepared for a long life for you and your spouse, in sickness or in health?

 

Are you ready to talk? Contact Family Legacy’s experienced planners today, and we’ll start the big conversations about the life you want, and how we can help get you there.

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services

Family Legacy takes a holistic approach to financial management, advising clients on various aspects of wealth, business and estate planning.

 

multi-family office

Managing estates, trusts and generations.

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multi-family office

Managing estates, trusts and generations.

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widowed or divorced?

Financial planning when life shifts.

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widowed or divorced?

Financial planning when life shifts.

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Invest for What Matters

"Sound planning and prudent living allow for a freedom of expression and a profound depth of relationship with family and friends. We seek to help all of our clients live in a space of abundance. In a word, most people eventually come to the understanding that financial independence provides them with freedom."

-- Christopher A. Brown, CPA, PFS, CEPA, CFP

LET'S GET STARTED

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Our advisors and accountants are ready to talk with you about your plans and goals. How can we help you create, preserve and pass on your legacy?

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