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Retirement planning

for the golden years of your life—today

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Most of us have dreams of stepping back from all of the hard work we’ve done. We want to look back with pride on what we’ve accomplished and enjoy a comfortable retirement. However, it is hard to get here if you have not been committed to a retirement plan for many years before you want to retire.

Retirement planning is the process of determining your goals for where, when and how you want to live the rest of your life and scrutinizing your current and projected financial circumstances to make a plan to reach those goals. Investing in your retirement plan is a lengthy process that you should start early in your professional life. Investing early usually leads to a stronger retirement portfolio. However, you can start one at any time. Therefore, if you are in the middle of your career or only a few years away and feel like you missed the boat, it is never too late.

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Personal Retirement Planning

At ProVise Management Group, our CERTIFIED FINANCIAL PLANNER® professionals have worked for decades to help many different clients develop retirement plans. Every retirement plan is personalized to each individual’s needs based on their financial circumstances, goals and values.

Typically, a personal retirement plan focuses on these four areas:

Income planning — Income from retirement funds is not the same as the income you earned while employed. Instead of you working for your money, your money has to work for you. Our CFP® professionals help you decide on when to access your savings, how much to set aside and when to withdraw your IRA and Roth IRA funds.

Tax planning — U.S. tax laws frequently change, which makes it difficult for people to keep up with retirement planning. Our CFP® professionals can help you avoid making poor decisions with your retirement planning that could lead to a significant loss of opportunity and/or unnecessary taxes.

Wealth management — The last thing you want to do when you have successfully retired is have to go back to work because you exhausted your retirement funds. CFP® professionals at ProVise help you determine how to distribute your funds and preserve your wealth as retirement could last.

Long-term care — At some stage in life, you might need in-home care or to live in an assisted-living facility. While either may be necessary, they can also be expensive. Making a decision on how to pay for these potential services in the future is an important part of your retirement plan through which a ProVise CFP® advisor can help guide you.

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Develop Your Retirement Plan with a ProVise CFP® Professional 

When considering your retirement plan you do not want a cookie cutter approach. You need someone that has your best interests in mind to help manage your retirement planning. The CFP® professionals at ProVise adhere to rigorous ethical standards that guide our efforts to provide the best possible plans to clients like you.

We personalize our plans based on values, goals and risk tolerance. We provide an individualized plan for you at a fiduciary standard of care and offer an unconditional money-back guarantee. If for any reason you are not satisfied with the written plan, simply return it to us and we will refund 100% of the fee paid. Once you’re ready to work together, we will create an implementation strategy and establish a monitoring system that meets your needs.

Are you ready to talk to a ProVise CFP® professional about developing a personal retirement plan? Contact ProVise today for a complimentary consultation.

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The ProVise Planning Experience

A financial plan is a roadmap to your financial success. A ProVise financial planner will follow a process that includes the following steps to creating a customized strategy specific to your current financial situation, lifestyle, and future goals.

Planning
1. Understanding Your Personal and Financial Circumstances 2. Identifying and Selecting your goals 3. Analyzing Your Current Course of Action and Potential Alternative Courses of Action 4. Developing the Financial Planning Recommendation(s) 5. Presenting the Financial Planning Recommendation(s) 6. Implementing the Financial Planning Recommendation(s) 7. Monitoring the Progress and Update

1. Understanding Your Personal and Financial Circumstances

Before we can help you reach your goals, we need to understand where you are. We perform a thorough analysis of your current financial situation and upcoming risks before creating a financial plan designed for your increased future success.

2. Identifying and Selecting your goals

Your future financial goals will dictate your current financial choices. We need to understand your goals and then help you prioritize those goals, so we can align your financial strategy with the lifestyle for which you are aiming. We help you balance your goals in a way that is designed to benefit your current lifestyle without neglecting your future financial goals

3. Analyzing Your Current Course of Action and Potential Alternative Courses of Action

It is important for us to first determine what you are currently doing and why. What is your approach to your finances and investments? There is no reason to seek alternatives if what you are doing is working. However, we can only do this in the context of looking at alternatives that may either fine tune what you are doing, or perhaps offer an alternative approach.

4. Developing the Financial Planning Recommendation(s)

Unlike others who just want to sell you something that may not be in your best interest, we do not consider recommendations until we have taken the first three steps of the financial planning process. You do not want a physician to create a treatment plan without a thorough analysis of your current condition and consideration of alternatives. The same is true with your financial health.

5. Presenting the Financial Planning Recommendation(s)

We will provide you with a set of written recommendations sharing our best ideas and thoughts regarding your personal financial situation. For those with a relatively uncomplicated financial life it might be done in a bullet point format, while for others it could be a much longer document. It might even be done with a modular plan focusing on the one aspect that is most concerning to you.

6. Implementing the Financial Planning Recommendation(s)

We help you put the financial planning strategy to work by putting together a checklist of action items for you and us that helps ensure that the plan is implemented in a timely fashion. There is nothing worse than knowing what needs to be done and then not doing it.

7. Monitoring the Progress and Update

Financial planning is not an event that happens one time. It is a continuous process. Life happens and things change. You will not go it alone. We will walk with you through every financial decision, roadblock, obstacle and opportunity to make sure you are staying on track toward your financial goals.

ProVise Planning Experience

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Financial planning is not one big thing…it is hundreds of little things™. We will walk with you every step of the way through investments, debt payoffs and everything in between to help you reach the financial goals that matter most to you.

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