At Integrated Wealth Management, we’re financial advisors focused on retirement planning, and today we’re coming to you from the beach. While many of our current clients here in Rehoboth Beach are already retired, many of our readers are about 10-15 years away from putting in their final notice.
With retirement approaching and daydreams filled with mid-day beach stoles — we’re talking to you. Our words of wisdom come from working with numerous people just like you. We’ve watched them travel down the path you’re eyeing up for the next chapter in life; so let our bits of wisdom help you navigate towards the retirement of your dreams.
Creating Wealth Takes Guidance
As you approach retirement, your focus shifts from growing wealth to a state of preservation. You want to ensure your money will last and you’re often thinking about how you can create something special for the next generation. Leading up to this point, your focus has been on remaining diligent in your monthly retirement fund contributions. But as you inch closer to retirement, many find it's time to seek guidance.
The challenges retirees face include the unpredictability of the market, concerns about their money lasting, and how to bring all the various aspects of retirement together into a comprehensive plan. This is where we come in, as a Rehoboth Beach Financial Advisor, we’ll help you understand your risk tolerance and create a personalized investment strategy that aligns with your goals.
With our guidance, you’ll gain confidence in how you’ll cashflow your retirement expense, understand the taxes you’ll owe, gain clarity on the topic of retiree healthcare expenses, navigate any bumps in the road, and even create a plan for how your wealth can continue to make a positive impact when you’re no longer here.
Retirement Planning Takes Patience
With the proper guidance in place, it's also important to remember that retirement planning is a marathon, not a sprint. It takes time, patience, and dedication to create a retirement plan that will provide for you and your family throughout your golden years. That's why it's essential to start planning early and remain focused on your goals.
As a Rehoboth Beach Financial Advisor, I encourage my clients to create a long-term plan that takes into account their current financial situation, as well as their future goals. This plan should include a comprehensive analysis of your retirement portfolio, Social Security, taxes, healthcare needs, and estate planning, along with a clear picture of your ideal future lifestyle. We don’t expect you to have all the answers today. While we can help you implement a plan over the course of a few meetings, your plan will inevitably evolve.
When you give us time and pack a bit of patience, we can help you feel equipped to weather any storm. A basic retirement strategy meant for anyone can leave you with gaps and unanswered questions.
The Right Partnership Has the Potential to Accelerate Your Journey Into Retirement
Retirement planning should not be a solo endeavor. In many instances, we’ve seen firsthand how partnering with a financial advisor can help you reach your retirement goals faster. By working together, we can identify areas of opportunity, create a personalized investment strategy, and monitor your progress over time.
The benefits of partnership go beyond plan implementation and money management; we can help you avoid costly mistakes that can derail your retirement plans. For example, an advisor can help you navigate the complexities of tax planning, Social Security planning, estate planning, and risk management. Each of these aspects of retirement planning comes with the risk of leaving money on the table. Ensuring that you're making informed decisions that align with your goals can help you save on fees, expenses, taxes, etc.
In conclusion, retirement planning is an essential part of ensuring a secure and comfortable future. By seeking out the right guidance, remaining patient, and partnering with a Rehoboth Beach Financial Advisor, we can help you get to those midday beach strolls or morning rounds of golf. If you’re looking for a Rehoboth Beach fee-only financial advisor you can trust — we’d love the opportunity to learn more about your retirement dreams.
About Integrated Wealth Management
Integrated Wealth Management is owned by Burt Hutchinson, CPA, CFP®. As a CPA-led organization, 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.