Retirement Planning
Planning for Your Future Today
The vast majority of our clients come to us because they are concerned about their retirement. "Planning for a successful retirement" is often their most important financial goal. Whether you are already retired, just beginning to plan for retirement, or somewhere in between, having a road map with a detailed financial strategy is crucial to a comfortable retirement.
With people living longer, healthier and more productive lives than ever before, it's no wonder that retirement planning is at the top of most people's list of financial priorities. In fact, many individuals will actually spend more years in retirement than they did working! Particularly with the uncertainty of social security and employer-sponsored retirement plans, retirement planning is now more important than ever.
At Synergy Capital Management, LLC, our job in retirement planning is to show you what you need to start doing now so you can retire when you want, without outliving your funds. We analyze how much you need to save in order to reach your retirement goals and where best to invest your retirement savings based upon your tradeoff of risk and return. We review the options in your employer's retirement plan (401K, 401B, 457, etc.) and recommend the investments best for you. We also provide recommendations regarding contributions, rollovers and conversions to IRAs and Roth IRAs, and payout options from retirement plans.
We'll continue to monitor and update this plan as needed to make sure you stay on the path to retirement. We project your cash flows from now until the end of your life expectancy, which allows us to determine the probability that you will reach your financial goals. Additionally, if you are self-employed, we can assist you in establishing your own business retirement plan for you and your employees.
In essence, your retirement plan is the foundation of your financial plan.