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retirement planning san diego

Retirement Planning

Our retirement planning process begins with a detailed assessment of your needs, your goals, and your current situation. We recognize that your goals and dreams are deeply personal, and whether you live in San Diego or across the nation, we are happy to schedule a live conversation to help you plan for your financial future.

We find that people typically move through three phases in their financial lives:

Accumulation: You are growing your wealth and are planning ahead for what you may need. For clients in this phase, we

  • Prepare retirement needs and cash flow analysis
  • Recommend investment and savings strategies
  • Review and advise on employee benefits and retirement plan options
  • Discuss risk management needs including disability, life, and liability insurance

Distribution: You’ve recently retired and want to make sure that you are using your hard-earned savings wisely throughout your retirement. For clients in this phase, we

  • Advise on pension distribution election options
  • Calculate and disburse Required Minimum Distributions (RMD)
  • Review cash flow needs and facilitate tax-efficient distributions from investment accounts
  • Advise on Social Security and Medicare Planning

Transfer and Legacy: You feel confident that you have enough wealth to take care of your lifetime needs. Now, you are looking ahead to how best to take care of your loved ones and charities. For clients in this phase, we

  • Evaluate strategies for tax-efficient transfer of wealth to the next generation
  • Coordinate with your estate planning attorney and execute changes to account structure
  • Assist with estate administration
  • Review options for charitable giving

In addition to planning specifically for retirement, we offer a broad suite of financial planning services.

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Our team is available now to discuss all of your finance goals.

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