Retirement Planning

We will help you develop a comprehensive retirement funding model that:

• Tracks the growth of your retirement resources and benefits
• Adjusts your objectives and resources for future changes in inflation, taxation and income
• Projects potential surpluses or deficiencies in your retirement funding program
• Calculates the additional funding or investment return required to help meet your retirement objectives

Identify and evaluate the full range of retirement funding options available to you.

Design a retirement funding program that most effectively helps to meet your retirement income objectives.

Develop a comprehensive qualified plan and IRA distribution model that analyzes the distribution options available to you:

• Lump sum distributions
  • Long-term capital gain tax treatment
  • Tax deferral on employer securities


• IRA Rollover
  • Income taxation at withdrawal


• Periodic, annual, or annuity distributions
  • Analysis of annuity options
  • Early (before age 59.5) withdrawals and 10% penalty tax
  • Required (after age 70.5) withdrawals and 10% penalty tax


• Distributions at death
  • Estate tax and income tax
  • Unlimited marital deduction and unified credit


• Design a retirement distribution strategy that helps to minimize taxation, meet retirement income requirements and maximize net accumulation