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12 Terry Drive, Suite 203
Newton, PA 18940

(888) 270-1574

info@myinnovawealth.com

Investment Management

Investing Considerations

Should my asset allocation change as I near retirement?
How do I create income from my retirement savings?
What do I do if there’s a recession during retirement?
How can I estimate my retirement healthcare needs?
When do I need to start taking RMDs?

Determining how to adjust your strategy as you near retirement can feel complicated. Together, we’ll help you create a plan that balances the need for short-term cash flow with the desire to continue growing your nest egg throughout your years as a retiree.

You’ve spent years contributing to your retirement savings - the idea of turning those contributions into cash flow can be confusing. Figuring out how to create income out of your savings, Social Security, and pension is a key element of retiring with confidence. We’ll help you build an income strategy that balances taxes with your cash needs, and help you to live comfortably for years to come.

Stress-testing your retirement portfolio is one of the key elements of building a worry-free retirement strategy. Knowing your portfolio can withstand the ups and downs of the market, even when you’re taking withdrawals, can help you make sound decisions about spending both now and in the future. We’ll help walk you through the best ways to build a stress-tested portfolio, and how to create a “back up” plan if you encounter a bear market in retirement.

Healthcare costs in retirement can be intimidating! Together, we’ll determine what potential health expenses you may need to account for, as well as any “unexpected” expenses that could catch you by surprise.

Knowing when (and how) to access your retirement savings is one of the biggest question marks you may have when entering retirement. Required Minimum Distributions (RMDs) are a part of any taxable retirement savings accounts - so, your 401(k) or Traditional IRA. Annual distributions from these accounts are required by the IRS, but you can work toward determining how to coordinate your distributions in a tax-efficient way. That’s where we can help!

Investment Management

After we’ve created a financial plan, we need a vehicle to get you to the retirement you’ve always imagined. That’s where your investment portfolio comes into play.  

Our portfolios are designed to maximize our client’s probability of success, no matter what that means to them. 

While each client’s specific needs and goals will be different there are several key attributes that are common to all of our portfolios:

  • Systematic – Each strategy uses a repeatable process to reduce or eliminate emotion when making investment decisions
  • Transparent – All of your holdings are visible to you every minute of every day so you know exactly what you own and why you own it
  • Evidence-Based – Each strategy is grounded in academic research and not storytelling
  • Low Cost – Our portfolios are executed with Exchange Traded Funds (ETFs) which provide cost-effective, liquid, and tax-efficient exposure to the asset classes that make up our client’s portfolios

Investment

MANAGEMENT

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iNNOVA Wealth Classes

Sign up for our highly informative seminars taught by seasoned financial planners.
Each course provides real world information and tools to help simplify the complexities surrounding retirement, tax planning, investing and general financial planning.

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Learn More

20 May
The Roth Conversion Conundrum: A Deep Dive into Pros and Cons

The Roth Conversion Conundrum: A Deep Dive into Pros and Cons

Welcome to our latest newsletter where we unravel the complexities of Roth conversions. In today’s financial landscape, individuals often find themselves at a crossroads, contemplating whether converting their traditional retirement accounts into Roth IRAs is a prudent move. Let’s delve into the pros and cons […]

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As we’re only a couple of weeks into 2024, there’s still time to take on a New Years Resolution! While the usual resolutions to lose weight, read more, or start meditating are all great goals, there’s one resolution that can reduce stress, increase confidence, and […]

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16 Nov
Planning Strategies to Reduce Your Required Minimum Distributions

Planning Strategies to Reduce Your Required Minimum Distributions

In the 1970’s the Employee Retirement Income Security Act (ERISA) created a new set of retirement strategies from 401(k)s to IRAs. Many of these retirement plans gave an individual the ability to defer taxes on contributions and growth that occurred within the retirement account until […]

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12 Terry Drive, Suite 203
Newtown, PA 18940

(888) 270-1574

info@myinnovawealth.com

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