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Pre & Post Retirees

Planning for Retirement and Thriving in Retirement 

The end of your 9-5 might be a few years away, but it’s time to start planning! You might spend thirty to forty plus years in your retirement. As your children grow and have grandchildren, the market continues to go up and down, and regulations and tax laws change, wouldn’t it be great to ensure you’re on track for the retirement you’ve always dreamed of? 

It’s your next chapter. A new opportunity. Don’t spend it worried about the unknown.

Making Work Optional

Up until this point, your income structure has been straight forward. You go to work, and your paycheck is deposited in your account. The main goal for many in reaching retirement is that work is now optional. You do still need to structure some sort of “paycheck” for yourself, but instead of coming from a company, your income will now come from your retirement accounts, social security, pensions, investments , and any other assets you may have.


Many people in retirement also want to take into consideration the impact inflation may have on both their savings and expenses, start the process of estate planning, and continue to preserve and grow their wealth to pass on to the next generation or charities. Choose an expert who will take the time to understand your unique situation to help you maintain your financial wellbeing rather than relying on arbitrary standards and methods as illustrated below.

Top Retirement Questions & Concerns

  • When should I start taking social security?
  • How should I plan for medical and healthcare expenses if I retire before age 65?
  • Should I take a lump sum or monthly pension?
  • How can I make sure I’m not paying more than I need to in taxes?
  • Should I consider a Roth conversion? 
  • What kind of legacy do I want to leave? 

   

Chart from JP Morgan

Live a FULL Life in retirement

At Curo, we’ll walk with you to help you get ready for this transition aligning all the moving parts to help you achieve a greater peace of mind. One of the most critical parts of retirement is building an income strategy by utilizing all the assets you’ve worked hard to accumulate. We help you answer the question, “Where will my paycheck come from in retirement?” Our team goes beyond this step, helping you navigate all the other aspects of retirement like social security, Medicare, and reaching other goals you may have.

At this stage in life, it is vital to have a trusted advisor you can go to with your questions and concerns. Our team can walk with you through your last years of working, stay with you through the transition, and help continue to be your source of unbiased financial information throughout your retirement.

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Services:

  • Cash Flow Management & Savings
  • Investment management
  • Tax Planning
  • Education Planning for Grandkids
  • Executive Compensation and Stock Options
  • Early Retirement Options
  • Health Coverage Planning
  • Risk Management (Disability, Life, and Long-Term Care Insurance)
  • Estate Planning Strategies
  • Charitable Giving

We hope to meet you soon! Let’s talk.

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