Retirement Planning
Services

The best time to start is now — even if retirement is decades away. The power of compound growth means earlier contributions and strategic planning can significantly impact your retirement nest egg. However, it's never too late to start. We've helped clients in their 50s and 60s transform their retirement outlook with focused strategies.

A 401(k) is an employer-sponsored retirement plan with higher contribution limits ($23,000 in 2024, plus catch-up contributions if you're 50+). An IRA (Individual Retirement Account) is self-directed with lower limits ($7,000 in 2024) but offers more investment options. Both have tax advantages, but IRAs often provide access to a wider range of investments and more flexibility in your strategy.

A common rule of thumb is to have 10-12 times your annual income saved by retirement age. However, the real answer depends on your specific lifestyle goals, health considerations, and retirement age. We use sophisticated planning tools to model your unique situation and create a clear picture of what you need to retire confidently.

You have several options: leave it with your former employer, roll it into your new employer's 401(k), roll it into an IRA, or cash it out (which we generally don't recommend due to taxes and penalties). The right choice depends on your specific situation. We offer free rollover consultations to help you make the best decision.

A fiduciary is legally required to act in your best interest — not theirs. As a fiduciary firm, we put your goals first, always. Many financial advisors work on commission and may recommend products that pay them more, not what's best for you. Our fiduciary commitment means complete transparency and alignment of interests.