Investing Considerations
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
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.
Check back soon for virtual events!
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