The Retirement Planning Group Inc

Financial Services

At The Retirement Planning Group, we absolutely take into account your attitudes toward risk, but we cross-reference that with the plan we've built for you.

If your plan dictates that we need 60% of your investments to be in stock and 40% in bonds, that will be the starting point of the conversation. Your plan (based on 100+ years of return probability) will dictate the allocation, not how any of us are feeling on a certain day.

We'll take that allocation further and customize it to make sure we have the perfect amount of cash in the accounts at all times, substitute recommended positions for the investments you already own, and assign different allocations for different types of accounts (IRA vs. Trust vs. Roth IRAs).

So what does this mean for YOU and your portfolio? At the end of our meeting, you'll end up with a beautifully diversified, cost-effective portfolio with the right allocation of stock and bonds structured in a tax-efficient way and in line with your overall plan.

It won't be based on a stapled-together two-page risk assessment profile filled out in the lobby five minutes before you meet with an advisor.

When you engage with one of our Wealth Managers, they will sit down with you and show you your entire financial picture in real-time. It'll be simple, documented, and empowering! From there, they'll show you certain levers that can be pulled to help you save money in a better way, retire sooner, and help you to have more income in retirement.

When you are done, you'll have an easy-to-understand plan that will be assigned a confidence score, so you can have less stress and feel more optimistic.

Where Will My Income Come From In Retirement?

You may not be working a traditional job, but you will still need an income in retirement. Many people rely on social security payments in retirement, which only applies to those who had a job and paid into this program. The amount you receive depends on the hours worked. To see how much you will expect to receive, request your social security statement or try the free calculator online at ssa.gov. Beyond social security, here are some of the most common income sources people rely on for income in retirement:

• Pensions
• Individual Retirement Accounts (IRA, Roth IRA)
• Retirement savings plans (401k, 403b, 457, TSP)
• Real estate investments
• Other investments (Savings, annuities, inheritance, CDs, bonds, etc)

We've done the footwork for you.

We've vetted several independent Estate Planning attorneys. These attorneys all focus solely on Estate Planning issues. They come to our offices to meet with our clients and work at pre-negotiated discounted rates.

As Estate Planning laws change, we'll refresh documents as necessary and you'll have one set of advisors looking out for generations to come!

We've married Wealth Management and tax advice. And as a result, not only do we prepare and file clients' tax returns - but we do it a new and unique way.

After all, if you can track your Amazon purchase and know exactly where it is in the country, why in the world can't tax be the same? At The Retirement Planning Group, we knew there was a better way - so we created a tax experience unlike any other. You are kept up to date with notifications on exactly where we are with the preparation and filing of your tax return!

Who Needs A Wealth Management Advisor?

Anyone can benefit from the wealth and financial management strategies. However, it is a different approach than just building for retirement or diversifying your investment portfolio or minimizing taxes. Wealth management is often the next step in one of these strategies, as it includes multiple strategies such as building wealth for retirement, planning your estate, looking into tax planning and preparation, and even life insurance, wills, and other financial planning opportunities. Typically, wealth management is geared towards high-net-worth individuals.

If you have multiple assets, own your own home, have money in retirement, think you need life insurance, or just are looking for the next step in your financial planning, wealth planning may be right for you and your family.