Build the Future You Desire
While we believe in a lifetime planning approach, we want to understand your vision for when you're cashing your own paycheck. Whether you want to downsize and travel the world, spend more time with family, or even start a new career, we'll build the right roadmap to help you get there, and proactively monitor the plan to make sure you end up where you want. Our retirement planning process includes:
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Projecting your cash flow needs and income available for retirement
- Analyzing the impact of inflation on retirement income and evaluate your retirement plan pay-out options
- Coordinate your retirement income with our recommended asset allocation and investment strategy
- Go beyond the numbers to help bring your vision for a fulfilled retirement to life
Tax-Advantaged Savings Strategies
We guide our clients’ retirement savings toward the right accounts to maximize growth while minimizing their tax burden.
This includes strategies such as maxing out yearly contribution limits where possible and executing backdoor Roth strategies if optimal as you make the transition from accumulating to generating your own income in a way that doesn't outsize your tax bill.
Evidence-Based Investing
Your retirement savings are only as powerful as their potential to grow and fund the lifestyle you desire.
At Plancorp, our investing philosophy focuses more on growing and protecting your portfolio from unnecessary risk. We'll partner with you to set and evolve a strategy that works for every stage of life. Whether you're a decade or more from retirement and trying to accelerate growth or generating your own income with a desire to beat inflation, we're here to help.
Strategic Withdrawal Planning
Just as your savings strategy should be tax-optimized during your peak earning years, so should your withdrawal strategy once you reach retirement.
With thoughtful planning and the right partner to monitor changes, you can strategically decide when to recognize certain income in retirement in a way that minimizes your lifetime tax burden, not just your next return.
Transition to Retirement
Here's a secret that gets lost in the build up to retirement: even if you're financially ready, being ready to make the transition emotionally isn't always easy.
For successful and driven people, your career is likely a big component of your identity, and figuring out the next phase of life requires creative thinking and having a partner who can ask the challenging questions and be there to guide a solution.
We're proud to say we embrace the behavioral side of financial planning just as much as we do the tax and investing. If you're tired of your advisor only asking what you've saved for retirement, we should talk.
Retirement Planning
When The Numbers Supported Early Retirement
A successful attorney and his wife, both in their peak earning years, were feeling ready to step away from work and spend time on passion projects—even though they were still more than a decade away from traditional retirement age.
Without knowing whether early retirement was feasible, they risked continuing to work out of fear, missing valuable years pursuing their passions.
Using our Financial Independence Analysis (FIA), we showed that his wife could retire immediately without impacting their financial goals. By their next meeting, he was ready to join her. We recalculated, and with the sale of his law firm, he too could retire early and maintain their lifestyle. Today, both are enjoying more time focused on what matters most to them.
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