Crafting your coastal Delaware dream — sounds like the perfect makings for a fulfilling retirement. But to make that dream a reality you need to start with crafting a retirement plan. That’s where we come in; we’re here to help you turn your visions of retirement into reality.
Arriving at retirement ready to make tee times, hit the pickleball court, and stroll the beaches on a crisp morning doesn’t just happen when you reach a certain age. Achieving a life of leisure takes patience and dedication towards retirement planning. At Integrated Wealth Management, there are three stages of retirement — let’s take a look.
The Uncertainty Stage of Retirement
The thought of serene beachside mornings seems like a distant dream. You're deep into your career years and you’ve been diligently stashing away a portion of your paycheck into a retirement account each month. But is it enough? What do I need to do to make the most of the next five to ten years to actually retire? Welcome to the uncertainty stage, where the foundation for your dream retirement takes shape.
This is an ideal time to meet with a Certified Financial Planner™. This allows you to receive an in-depth review of your current financial standing, unfold your retirement desires, and create a plan to work towards meeting your goals.
We’re here to empower you. By showing you the numbers and making retirement strategy suggestions — you’ll feel ready to make the necessary decisions to push you toward a prosperous financial future.
It’s at this stage where we invite ALL the questions. Everyone has them. That’s why we call it the uncertainty stage — you’re not expected to have it all figured out. We welcome you to lean on our years of experience so you can skip the endless research and clear your mind from the fears associated with figuring it all out on your own.
Stability Stage
Reaching the stability stage of retirement planning is a milestone worth celebrating. You're ready to retire with confidence. You stuck to your roadmap and have arrived at retirement — congratulations!
During this stage, your primary goal shifts to securing your financial foundation and creating a diversified retirement portfolio that can withstand market fluctuations and inflation. Social Security, Medicare, your withdrawal strategy, orchestrating your retirement income streams — it’s all finally coming together. With a plan you’re confident in, those things don’t cloud your visions — you can focus on what matters.
We hope your days are filled with flexibility, time with friends and loved ones, and enjoying hobbies.
Reflection stage
Take a look back — were there tough times when you were hardly scraping by? Endless meetings, sleepless nights, special vacations, favorite places — it all led you to where you are today. We hope those thoughts make you smile as you look back at both the hard work and the fun times. As you reflect on your younger years, those closest to you are sure to fill your memories.
We can help you leave the legacy you envision. Many wish to not be a burden to their loved ones, from a financial perspective. Some will choose to leave an inheritance to future generations or a beloved charitable organization. We’re here to help you plan and orchestrate your legacy.
Where are you today?
You likely identified with one of our stages of retirement. We understand you may have questions no matter where you stand today. This is why we encourage you to meet with us. We’d be happy to answer your questions.
The journey toward achieving your dream coastal retirement in Delaware is divided into three distinct stages: uncertainty, stability, and reflection. By understanding and actively engaging in each stage, you can effectively plan for a comfortable and fulfilling retirement by the beach. With careful financial management, a solid investment strategy, and thoughtful legacy planning, your retirement years in Delaware can be a true testament to a life well-lived – surrounded by the beauty and tranquility of the coastal landscape.
About Integrated Wealth Management
Integrated Wealth Management is owned by Burt Hutchinson, CPA, CFP®. We’re a CPA-led organization, meaning we’re here to handle your complex tax scenarios and provide cost-saving insight related to your financial plan.
We’re here to guide you through the 3 stages of retirement:
Uncertainty Stage: When you are within 10 years of retirement and have questions about how to make it work
Stability Stage: When you have reached the financial milestone to retire comfortably and confidently
Reflection Stage: When you are looking to leave a legacy
We are also here to provide experienced, empathetic support during times of loss, such as the death of a life partner. You need confidence and a sense of security to enjoy retirement. As fiduciaries with a fee-only structure, we never receive commissions. Free of ulterior motives, you can be sure we’re focused on your goals.
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Disclosure Statement:
This presentation is not an offer or a solicitation to buy or sell securities. The information contained in this presentation has been compiled from third-party sources and is believed to be reliable; however, its accuracy is not guaranteed and should not be relied upon in any way whatsoever. This presentation may not be construed as investment, tax, or legal advice and does not give investment recommendations. Any opinion included in this report constitutes our judgment as of the date of this report and is subject to change without notice.
Additional information, including management fees and expenses, is provided on our Form ADV Part 2 available upon request or at the SEC’s Investment Adviser Public Disclosure website, Past performance is not a guarantee of future results.