Retirement Planning
You work hard to provide for your family and create a lifestyle you enjoy. Whether your target retirement age is years away or right around the corner, you need a plan to keep it that way.
At The Capital Management Group, we take a comprehensive, financial planning-led approach to all aspects of your wealth management, and your retirement plan is no exception. We take the time to get to know all the important details of your financial life and goals. From there, we apply the expertise of our in-house team of tax, legal and insurance specialists to create and maintain a retirement plan that will work as hard as possible to maintain your desired lifestyle in retirement.
Your team of seasoned advisors will be at your service, aware of new trends and opportunities and considering various scenarios that might affect your investment portfolio. You will have one point of contact with a comprehensive knowledge of you and your financial goals, assisted by a team of experts that can address every aspect of your retirement plan. Our fiduciary responsibility guides everything we do, helping us develop recommendations that are for the good of your financial well-being. As financial advisors, our only compensation is through a simple, transparent fee based upon the amount of assets we manage. We don’t sell or accept commissions on proprietary investment products. Instead, we work with you to create a retirement plan that helps ensure your future dreams come true. Your success is our success.
Comprehensive planning
At The Capital Management Group, we help you prepare for retirement your way, whether that means spending time travelling the world or spending time with the grandkids. Realizing your goals involves creating a plan to maximize the elements you can control and implementing strategies to help protect you from the elements beyond your control. Like the rest of our services, we begin by learning as much as we can about you. We get to know your current financial situation, income, expenses and even your lifestyle to create the foundation for achieving your vision. But we don’t stop there. Our advisors take a proactive approach when helping our clients prepare for their future needs, incorporating forward-looking expectations for anticipated health-care costs, income sources, tax rates, Social Security benefits, long-term care and much more. Armed with this knowledge, our experts will develop a comprehensive plan that addresses everything from immediate savings needs to strategies to minimize taxes on future distributions, giving you the peace of mind knowing your financial future is in good hands. We know that your circumstances and priorities change over time, so we will be there every step of the way, meeting with you regularly to make any necessary adjustments to the plan.
Take action
Building your retirement plan is the first step, but then it’s time to put it into motion. Our bespoke retirement planning process involves evaluating your current financial standing and creating an accumulation strategy that will help to ensure a desired retirement lifestyle. Because an individual’s retirement years can span decades, retirement planning generally dominates other financial goals. A successful plan put into place during the wealth-building lifespan should address ways to maximize growth and tax-efficient distributions, as well as how to leave retirement assets to the next generation.
There are several ways to save for retirement:
After advising on appropriate portfolio strategies to help you reach your vision for retirement, we work in a way that’s tailored to you, surrounding you with a team of credentialed, educated, experienced and action-oriented financial advisors dedicated to putting your plan into action. Our team of experts is there to continuously look for ways to optimize your personal portfolio and take advantage of every opportunity to help turn your dream of retirement into a reality. We are here to ensure your money works as hard as you do.
Living well
You may stop working once you retire, but we won’t stop working for you. Our focus shifts to carefully managing your retirement assets, working to nurture and preserve your financial independence so you can focus on living the life you’ve always dreamed of.
At The Capital Management Group, we understand that your retirement years can also be about preserving your financial legacy. Our in-house teams of specialists can help customize a plan to grow your wealth for the next generation or meet the need to satisfy charitable bequests. Your retirement plan should be as unique as your vision for retirement. Whether you see yourself on a cruise around the world, opening a business, remodeling your home or building a new one, we have the resources and expertise to help you get there. The next chapter awaits. Let’s make it a good one.
You work hard to provide for your family and create a lifestyle you enjoy. Whether your target retirement age is years away or right around the corner, you need a plan to keep it that way.
At The Capital Management Group, we take a comprehensive, financial planning-led approach to all aspects of your wealth management, and your retirement plan is no exception. We take the time to get to know all the important details of your financial life and goals. From there, we apply the expertise of our in-house team of tax, legal and insurance specialists to create and maintain a retirement plan that will work as hard as possible to maintain your desired lifestyle in retirement.
Your team of seasoned advisors will be at your service, aware of new trends and opportunities and considering various scenarios that might affect your investment portfolio. You will have one point of contact with a comprehensive knowledge of you and your financial goals, assisted by a team of experts that can address every aspect of your retirement plan. Our fiduciary responsibility guides everything we do, helping us develop recommendations that are for the good of your financial well-being. As financial advisors, our only compensation is through a simple, transparent fee based upon the amount of assets we manage. We don’t sell or accept commissions on proprietary investment products. Instead, we work with you to create a retirement plan that helps ensure your future dreams come true. Your success is our success.
Comprehensive planning
At The Capital Management Group, we help you prepare for retirement your way, whether that means spending time travelling the world or spending time with the grandkids. Realizing your goals involves creating a plan to maximize the elements you can control and implementing strategies to help protect you from the elements beyond your control. Like the rest of our services, we begin by learning as much as we can about you. We get to know your current financial situation, income, expenses and even your lifestyle to create the foundation for achieving your vision. But we don’t stop there. Our advisors take a proactive approach when helping our clients prepare for their future needs, incorporating forward-looking expectations for anticipated health-care costs, income sources, tax rates, Social Security benefits, long-term care and much more. Armed with this knowledge, our experts will develop a comprehensive plan that addresses everything from immediate savings needs to strategies to minimize taxes on future distributions, giving you the peace of mind knowing your financial future is in good hands. We know that your circumstances and priorities change over time, so we will be there every step of the way, meeting with you regularly to make any necessary adjustments to the plan.
Take action
Building your retirement plan is the first step, but then it’s time to put it into motion. Our bespoke retirement planning process involves evaluating your current financial standing and creating an accumulation strategy that will help to ensure a desired retirement lifestyle. Because an individual’s retirement years can span decades, retirement planning generally dominates other financial goals. A successful plan put into place during the wealth-building lifespan should address ways to maximize growth and tax-efficient distributions, as well as how to leave retirement assets to the next generation.
There are several ways to save for retirement:
- Qualified employer-sponsored plans
- Qualified plans are employer-sponsored retirement plans such as 401(k)s and pension plans. While there are contribution limits and strict distribution rules, these plans are popular because of their tax benefits. Generally, employers will make participation even more attractive by matching all or a portion of an employee’s contribution. It’s important that you choose the optimum plan to benefit the key people in your company.
- Individual retirement plans (IRAs)
- IRAs are inexpensive, easy to establish and maintain, and also offer favorable tax incentives. They can be created by an individual or provided by an employer. Most people use IRAs to consolidate retirement savings that were previously held in employer-sponsored plans. Our process coordinates your IRA investments with your other savings plans.
- Personal savings
- At the heart of any retirement plan is the distribution of accumulated assets. The correct distribution method will help to ensure that your retirement savings last beyond your lifetime with minimum shrinkage from taxes. From premature distribution options that allow access to retirement assets prior to age 59½, to structured products intended to provide stable monthly payments for retirement, distribution planning is paramount to a successful retirement plan.
- Executive deferral plans
- Business owners or executives may have access to other tax-advantaged retirement savings vehicles. Non-qualified executive compensation is a generic term used to describe a compensation arrangement that provides retirement income—and, in some cases, death benefits—to key employees of a business.
After advising on appropriate portfolio strategies to help you reach your vision for retirement, we work in a way that’s tailored to you, surrounding you with a team of credentialed, educated, experienced and action-oriented financial advisors dedicated to putting your plan into action. Our team of experts is there to continuously look for ways to optimize your personal portfolio and take advantage of every opportunity to help turn your dream of retirement into a reality. We are here to ensure your money works as hard as you do.
Living well
You may stop working once you retire, but we won’t stop working for you. Our focus shifts to carefully managing your retirement assets, working to nurture and preserve your financial independence so you can focus on living the life you’ve always dreamed of.
At The Capital Management Group, we understand that your retirement years can also be about preserving your financial legacy. Our in-house teams of specialists can help customize a plan to grow your wealth for the next generation or meet the need to satisfy charitable bequests. Your retirement plan should be as unique as your vision for retirement. Whether you see yourself on a cruise around the world, opening a business, remodeling your home or building a new one, we have the resources and expertise to help you get there. The next chapter awaits. Let’s make it a good one.
