Retirement Planning

Lay out a path to the retirement of your dreams.

Whether retirement is decades away or just around the corner, we can help. We start by getting to know you - your wants, your needs, your goals, and your dreams. We take the time to answer every question, explain all of your options, and then together we’ll develop a savings and investment strategy that is uniquely yours.

Retirement planning is about finding just the right formula to get you from where you are to where you want to be in the time you have to get there. We understand this balancing act, because we’ve been helping people in our community reach their retirement goals for generations. We will help you determine how much you need for retirement and assist you in determining an investment and withdrawal strategy to make your money last.

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Traditional IRA

With a traditional IRA, money deposited into the account may be tax-deductible and is not subject to income tax until you withdraw your funds. This ability to delay when taxes are paid can be an advantage to some investors.

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Roth IRA

In a roth IRA, the contributions you make have already been taxed and are not tax-deductible. Since you’ve already paid taxes on these funds, you are not subject to income tax at withdrawal. This means that the earnings your roth IRA generates are considered tax-free. You can even take certain early distributions without paying an early withdrawal penalty. If you have had your roth IRA for more than 5 years and are at least 59 ½ years old, distributions from the account are tax-free and penalty free.

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Rollover IRA

If you have a 401(k) or an employer-provided qualified retirement plan from a previous employer, one of your options is to roll over the funds into an IRA. This rollover IRA prevents you from having to pay taxes or withdrawal penalties at the time funds are transferred and could help you defer income taxes for years. You may also have more investment choices available to you than were offered in your employer-provided retirement plan.

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Inherited IRA

An IRA can offer advantages as a way to pass down money to your family or other beneficiaries. IRS regulations allow the ability to extend IRA benefits over time, with options for annual payments for the life of the recipient or for a fixed number of years. There is also the option of a lump sum payment, or for spouses, rolling over the inherited IRA into their own IRA. If you’re inheriting an IRA, or planning to leave one behind, we’re glad to discuss your options with you.