Washington Monthly Retirement Planning is a comprehensive financial service that helps individuals plan and prepare for a secure retirement in the Washington state area. Our team of expert financial advisors are dedicated to assisting clients with their retirement needs while considering their specific goals, risk tolerance, and financial circumstances. Our retirement planning services encompass a wide range of strategies and considerations to ensure a stable and comfortable retirement lifestyle. We offer customized solutions tailored to each individual's unique situation, taking into account factors such as current savings, expected retirement age, desired income in retirement, and future expenses. Key services offered by Washington Monthly Retirement Planning include: 1. Retirement Income Planning: We help clients design a retirement income plan that aims to provide a steady stream of income throughout their retirement years, ensuring they maintain their desired standard of living. 2. Investment Management: Our team assists in investment selection and management, striving to maximize returns while minimizing risk. We develop diversified portfolios tailored to each client's risk tolerance, time horizon, and financial objectives. 3. Social Security Optimization: We help clients understand the complexities of Social Security benefits, providing guidance on when and how to claim benefits to maximize their lifetime income. 4. Tax Planning: Our experts evaluate clients' tax situations to develop tax-efficient retirement strategies that minimize the impact of taxes on their retirement income. We consider various tax-advantaged accounts and strategies to help clients keep more of their hard-earned money. 5. Estate Planning: We guide clients through the estate planning process, helping to develop a comprehensive plan to protect and transfer their assets to loved ones while addressing potential tax implications. In addition to our standard retirement planning services, Washington Monthly Retirement Planning offers specialized programs tailored to specific needs, including: 1. Early Retirement Planning: Specialized services focused on helping individuals plan for early retirement, considering the unique challenges and opportunities associated with leaving the workforce ahead of schedule. 2. Corporate Retirement Planning: Services designed for business owners and key executives, addressing their specific retirement planning needs, such as creating retirement plans for their employees, optimizing business succession, and maximizing tax advantages. 3. Retirement Income Planning for Couples: A program aimed at assisting couples in managing their joint retirement goals and optimizing their combined retirement income. At Washington Monthly Retirement Planning, our mission is to empower individuals to make informed financial decisions, achieve their retirement goals, and enjoy a financially secure future. Our experienced advisors are committed to providing top-notch, personalized service to help clients navigate the complexities of retirement planning with confidence.
Washington Monthly Retirement Planning
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How to create your personal retirement planStep 1: Start with your goals. Your retirement plan should be based on your specific needs and goals.Step 2: See where you stand.Step 3: Decide how you'll save and invest.Step 4: Check and update your plan, regularly.
Your retirement benefit is calculated using a formula with three factors: Service credit (Years) multiplied by your benefit factor (percentage per year) multiplied by your final monthly compensation equals your unmodified allowance. Service Credit - Total years of employment with a CalPERS employer.
To help you navigate your options, here's a comparison of six of the most common types of retirement plans:401(k)Traditional IRA.Roth IRA.SEP IRA.Simple IRA and Simple 401(k)Solo 401(k)
Open a SIMPLE IRA through a bank or another financial institution. Set up a SIMPLE IRA plan at any time January 1 through October 1. If you became self-employed after October 1, you can set up a SIMPLE IRA plan for the year as soon as administratively feasible after your business starts.
Key Takeaways. A 401(k) is a retirement plan to which employees can contribute; employers may also make matching contributions. With a pension plan, employers fund and guarantee a specific retirement benefit for each employee and assume the risk of the financial obligation.
Let's take a closer look at each of the six phases of retirement.Pre-Retirement: Planning Time.The Big Day: Smiles, Handshakes, and Farewells.Honeymoon Phase: I'm Free!Disenchantment: So This Is It?Reorientation: Building a New Identity.Routine: Moving On.
How to create your personal retirement planStep 1: Start with your goals. Your retirement plan should be based on your specific needs and goals.Step 2: See where you stand.Step 3: Decide how you'll save and invest.Step 4: Check and update your plan, regularly.
Let's look at the three phases of retirement.The Go-Go phase. The Go-Go phase is the active retirement phase.The Slow-Go phase. The next phase of retirement is the Slow-Go phase where the body is telling you to slow down a little.The No-Go phase.Spending through the phases of retirement.16-Jan-2020
You can do this by logging into to your online retirement account and providing your planned retirement date. If you are a member of multiple DRS retirement systems or you prefer to complete a paper application, DRS will mail you an application with your benefit estimate.
Retirement planning has three stages the accumulation phase, the planning phase and the distribution phase.