(317) 441-5844

RETIREMENT PLANNING

The person who cares the most about your retirement is you. The best way to define your retirement is to be proactive about identifying your ideal golden years. With many pensions disappearing, most investors must now pursue alternatives means of saving for themselves.

Many major financial purchases and needs can be paid for with loans, but retirement cannot, which is why saving for retirement must be a financial priority.

Many questions surround retirement:

  • “Is my retirement on solid ground?”
  • “How soon can I retire?”
  • “Can I continue to afford my lifestyle, or do I need to change my lifestyle?”
  • “Which pension option should I choose: annuity or lump sum payout?”
  • “When should I start drawing social security?”
  • “How does Medicare fit into my retirement plans?”
  • “How much can I contribute to a qualified retirement account?”
  • “How do I use my investments to provide for adequate cash flow or protect future purchasing power?” 
Client Centered
    • We provide a comprehensive planning process to answer these questions and to help you achieve financial freedom. As part of this process, we work to understand your individual retirement needs and goals. We then create a personalized strategy to help you enjoy a smooth transition into retirement. This strategy begins by analyzing the estimated amount of money you may need to support your desired retirement lifestyle. We then examine your potential retirement-income sources, including qualified-retirement plans, Social Security benefits, and personal savings and investment accounts.

    • We prepare a retirement projection to determine whether you are on track to meet those goals. We also create retirement models showing you the costs and benefits of various retirement factors and choices. Our in depth analysis helps provide you with the confidence to enjoy a realistic and secure retirement. 


  • We try to use conservative assumptions (i.e. projected growth less than historical returns) in creating our retirement projections to help ensure your plan can withstand market fluctuations and other risks. The use of conservative assumptions therefore helps you stay the course in good times and bad. People often do not fully factor in the expenses from a longer lifespan or declining health and mental abilities in old age, but our plans factor these risks in so that your increased need for care does not  become a burden on anyone, especially loved ones, involved in providing your care. 

  • This approach helps to minimize the chance you outlive your retirement projections or have to change your lifestyle based upon market fluctuations.
Client Centered
  • Implementing your retirement plan is a marathon, not a sprint. As you progress through retirement, your interests or abilities may require substantial updates to your plan. Retirees often engage in activities such as traveling, volunteering, or picking up hobbies (golf, carpentry, gardening, etc.) initially upon retiring that change how they view their retirement. We continuously monitor your progress and update your plan to your evolving needs throughout your retirement. 

  • When you retire, not only will you no longer receive a paycheck, but you may also lose your employer provided health insurance. We assist you in evaluating the financial consequences of your healthcare options.

  • Unless you qualify for an exception, you will not be covered by Medicare until age 65. You may be able to switch to a spouse’s health insurance. Even if you have health insurance through a current or former employer or as part of your severance package, you should still check to see whether you need to sign up for Medicare. Some health insurance plans change automatically at age 65.
Client Centered
  • We can help you determine if you have retiree health benefits or if you can extend your current health insurance after you retire. If you need to sign up for Medicare but you do not, your Medicare coverage may be delayed and cost more.

  • You can apply for just Medicare at age 65 and still receive Social Security Benefits later.



Social Security Planning

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