Our retirement planning process begins with a detailed assessment of your needs, your goals, and your current situation with one of our financial planning experts.

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 (income, expenses, retirement goals, etc.)
• Recommend savings and investment management strategies, including asset allocation options according to your risk tolerance 
• 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 (RMDs)
• Review retirement income and financial goals 
• Incorporate tax planning to facilitate 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. A D&Y financial advisor will work with you as you decide where your money should go, whether that be to an individual beneficiary or an organization. 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

If you’re looking to talk to a financial professional about developing a savings plan or learning more about investment management including risk management and asset allocation, our financial advisory team can help. Learn how to properly manage your money and gain financial freedom with our experienced team today.

It’s Time for A Comprehensive Financial Plan

If you are looking to talk to a financial professional about developing a savings plan or learning more about investment management including risk management and asset allocation, our financial advisory team can help. Learn how to properly manage your money and gain financial freedom with our experienced wealth management team today.

In addition to planning specifically for retirement, our financial planning teams also offer a broad suite of financial planning services as part of our advisory services offering.