DO YOU HAVE THE RIGHT FOUNDATION IN PLACE FOR THE RETIREMENT OF YOUR DREAMS?
The Elite Retirement Blueprint™
Retirement by design, not by accident
The foundation of a solid retirement planning process consists of three main building blocks: a plan for retirement income, an understanding of Social Security benefits, and a strategy for tax optimization. At Aiken & Associates Wealth Management, we can design a personalized Elite Retirement Blueprint™ that helps you build the financial future you desire rather than leaving it to chance.
How much money will you need in retirement?
LIFESTYLE – How much will you need for the essentials? Food, shelter, living expenses, etc.
SOCIAL SECURITY – What guaranteed Social Security income will you have?
“BUCKET LIST” – How much will you need for non- essential wants? Vacations, leaving a legacy, etc.
SOCIAL SECURITY BENEFITS
Do you know your Full Retirement Age? Finding the optimal time to tap into Social Security is crucial.
62 – Reaching age 62 alone doesn’t necessarily mean it’s time to start receiving benefits, and could mean
a reduced payout.
FULL RETIREMENT AGE – The age you’re eligible for full benefits.
70 – If you can wait until age 70, your benefits might increase even more.
Unfortunately, taxes may not retire when you do. Optimizing the reduction of tax liability in retirement is key. Know which of your retirement income vehicles are:
TAXABLE –Pay now.
TAX-DEFERRED – Pay later.
TAX-FREE – Pay never.
We can walk you through each of these building blocks, discuss how they relate to your specific situation, and help design an Elite Retirement Blueprint™ specific to your needs. But we won’t stop there. We’ll help you through the retirement “building” process, walking with you every step of the way until you’re enjoying the dream retirement you’ve worked so hard for, and continue helping with whatever maintenance and updates are needed for as long as you need.
We can also help you avoid “construction delays”, guiding you through and around seven potential stumbling blocks that we commonly see in retirement. You can request a complimentary, no-obligation consumer guide outlining these risks right now by