Dexter 734.274.6744
Client Access Right Capital

Retirement Planning

happy retired couple seeking retirement financial planning

We take complexity seriously.

And we can help you manage your financial life because we’ve done it for clients before. We understand the decisions you’ll face as you transition from drawing a paycheck to enjoying your well-earned retirement. We’ll help guide you to ensure your nest egg is ready when you are.

Our Approach to Retirement Planning

We approach our conversation with you about retirement planning from several perspectives:

a retired couple traveling and looking at a mapYour Goals. We discuss what you want retirement to look like. Where will you be? What will you do? If you aren’t quite sure, we help you to dream.

Statistical Analysis. Modern financial planning uses statistical analysis, especially monte carlo scenarios, to help you map a retirement that will work for you now as well as throughout your life. We’ll explain how these statistics work and then discuss your results with you.

What if? We also plan for a variety of different environments. What is taxes go up? What if Social Security goes down? We talk through how your retirement looks if circumstances change.

Retirement Data. We have more and more information about the lives of groups of retirees. We will discuss trends in spending, the retirement smile, and how this impacts your financial plan.

A Specific Retirement Road Map. Once we’ve done the analysis and discussed the trends, we’ll work with you to develop a specific retirement plan for you:

  • When will you claim Social Security?
  • Which account(s) will you use to replace your paycheck with retirement withdrawals?
  • How can you reduce taxes over time with Roth conversions or early distributions?
  • What decisions do you need to make for Medicare or other health care coverage?

Yearly Updates. Each year we update your retirement plan to ensure that your spending levels are sustainable and adjust based on your opportunities.

Your Retirement Analysis

Tax-Efficient Distribution Strategies

Investment advisory services offered through Pearl Planning, a DBA of Stephens Consulting LLC, an SEC registered investment advisor. Pearl Planning is not a registered broker/dealer. Pearl Planning investment advisor representatives may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact our office for information and availability.

Links are being provided for information purposes only. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

ADV 2A  |  ADV 2B  |  Client Relationship Summary  |  Privacy Notice

Please review Important Disclosure Information set forth in the last section of this website.