Planning For Retirement

“I’ve been in the business of helping people retire for 15 years. And to be candid, I’ve seen a lot of people struggle with this transition in life in a number of different ways. We help you think about the issues associated with retirement to ensure you have the best transition possible.” 

Paul Saad

To thrive in retirement, you have to understand what the new post-career landscape looks like.

Yesterday’s picture of retirement had two phases: Pre-Retirement and Leisure.Today’s picture is very different! My experience suggests that there are four stages. They are not clear-cut or perfectly defined but it helps to think of this chunk of our lives in stages just to organize the concepts.

The new landscape of retirement

Copyright 2019 Marianne Oehser and Retire and Be Happy

It’s Time To Rethink Retirement

The idea of retirement has changed; we need to look at things differently. Figuring out how much you need is simply mechanical, and most basic retirement software can do that. Having the appropriate resources let’s you sleep at night, but having a “purpose” gets you up in the morning.

After spending your working life saving and investing, there are some critical decisions you need to make before you start taking those funds out. Planning ahead will help you get the most out of your retirement nest egg.

We want you to be the driver. In control of your life, not a passenger.  It’s time to reframe your thinking from “Retiring from something” to “retiring to something” another 30+ years of life!

It’s up to you — Whether you should retire at 62, 65, or some other age, only you can decide what is right for you. In fact, you may want to reconsider retiring at all––at least in the traditional sense.

Below are some common topics that we help to address:

For many of us, retirement income will come from a mix of Social Security and our own savings, and possibly pensions and annuities. How are you estimating how much money you will receive each month? How much money will you need, and for what? Most importantly, will your current saving and investing plans get you there?

Your appetite for taking risks with your investments may wane as you near the end of your career and then retire. How should your asset allocation — the division of your money among different stocks, bonds and other investment types — change as you get closer to retirement?

How much will healthcare cost you in retirement, and how will you pay for it? How much does Medicare cover? What about Long Term Care?

Finally, at what rate can you draw down your retirement savings and still have enough money to last 20, 30 or even more years in retirement?

These topics can be difficult to sort out on your own. But we can walk you through these critical considerations and share valuable expertise.

Retirement Planning, Retirement Income, Social Security, Medicare