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Retirement on your terms

Since the focus of retirement planning shifted from pensions to defined contributions (401k, 403b, SEP, etc.), the message has centered around, "What's your number?".  This question asked how much must you save to provide income at the level you need for life. Great question, but it's only a portion of what we need to know. 

Climbing to the top of the retirement mountain is only half the challenge. Like with mountain climbing, it's frequently more difficult and dangerous to descend the mountain. Planning for the "Distribution Phase" of retirement requires an entirely different set of skills and creativity.

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Unlike many other financial firms, we consider every tool in the box to create the following among other things:

  • Maximized distribution percentage,

  • Tax-free income,

  • Guarantee lifetime income,

  • Adequate liquidity,

  • Tax efficient generational wealth transfer

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