Retirement Planning

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Bay Area Retirement Planning Services

I’m Getting Close to Retirement. What should I be doing now? When Should I Start Planning For Retirement?

You may have commuted for years, sitting in traffic every morning and evening to earn a living. Perhaps you endured years of worry over potential layoffs, wondering if you were going to be on the chopping block for the next round of cuts. Or maybe you owned a business where you had the constant concern of cash flow, coordinating payables, receivables and making sure you could make payroll. Regardless of your path, you managed to sacrifice and set aside money every month or year and now you’ve built up a nest egg. 

We help turn your retirement savings into a reliable recurring income stream with an eye toward:

  1. Keeping your taxes low;
  2. Maximizing your investment performance and;
  3. Reducing portfolio volatility

In addition, you may find that your expenses change once in retirement. Usually these costs decrease but it’s not uncommon for some to experience an initial increase in cost. We’ll explore these scenarios and help determine what is a sustainable rate of withdrawal from your portfolio to ensure you don’t run out of money.

Retirement Income Sources

It’s very common for those just starting to think about retirement planning to assume that the money they save will be the only money they’ll have to live on when they retire. While that scenario may technically be possible, it’s very unlikely.

In addition to your retirement savings, other commons sources of retirement income include:

  • Social Security
  • Pensions
  • Stocks and investments
  • Annuities
  • Rental properties

Diversifying your sources of retirement income is a great way to guard against sudden or unexpected losses of any one particular source. 

How To Get Started

Getting started with retirement planning can often be intimidating or confusing. At Miles Brown Asset Management, we’re here to help inform and guide you through the process and deliver a plan that meets your goals.

Regardless of what stage in life you’re currently at, there are always options to get on the road to a happy and successful post-employment lifestyle. Please contact us to learn more about how we can help you on the road to financial freedom.

Blueprint to a Successful Retirement – Part III

Blueprint to a Successful Retirement – Part III

When it comes to social security, there is not a single correct answer as to when it is appropriate to begin taking the benefit. For most people, the appeal of accessing the benefit as soon as possible is far too overwhelming. However, it may make good financial sense...

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