退休计划

Rollins Financial Advisors partners with clients to ensure they have sufficient assets to pay their bills and live the kind of life they’ve worked hard for upon retirement. 退休计划包括分析流动资产, 讨论目标, and developing an investment plan that gives you the best chance to live out your retirement in comfort.

The advisors at Rollins Financial Advisors are fiduciaries for our clients. Legally, a fiduciary duty is the highest standard of care for clients. We will never take a commission from any financial product recommended to you, 包括保险单, and it is our legal and ethical responsibility to pursue your financial best interest in good faith.

肯定, a financial advisor should always act in the interest of the client and not in their own, 正确的? Not necessarily… Many financial advisors are basically salespeople. There is a great deal of talk about trust in the financial services industry, but you should always do your due diligence before spending your money, 无论是在市场上还是在保险单上. Entrusting your financial resources only to fee-only asset managers is a great place to start. We’ll work with you to create a retirement plan that is attainable and sufficient for all your family’s needs.

你希望什么时候退休? 你需要多少预算来维持生活? 你怎样才能在退休前还清债务呢? 你应该什么时候开始领取社会保障福利? There’s a lot to consider as you prepare for a post-professional life.

预算

预算是退休后的一个重要考虑因素. Financial planners typically recommend that retirees need about 80% of their pre-retirement income. You’ll be spending less on contributions to retirement plans and payroll taxes as well as work-related expenses such as transportation and clothing.

不过，退休也会带来新的支出. You may have to pay for that river cruise through Europe you’ve always wanted or the fancy RV you plan to visit the grandkids in. Rollins Financial Advisors can help you firm up the numbers you need for a comfortable retirement.

Figuring out how much you need to save and choosing the 正确的 vehicles to do so is the first step. Before establishing a brokerage account or other investment strategy, you should take full advantage of the tax-advantaged savings options legally available to you: IRAs and 401(k)s. Far too many people miss out on financial benefits available to them through these accounts.

省钱的方法

IRAs are a great way to supplement the income generated from Social Security or any employer-sponsored retirement plan you may have. They are easy to establish and offer a great deal of flexibility with regard to the financial products you may invest in.

有不同种类的ira -传统的, 罗斯, 简易雇员退休金(SEP), 和继承——每一个都有自己独特的优势. Rollins Financial Advisors’ tax and investment experts will walk you through the ins and outs of each, and help you choose the account that’s best suited to your income, 退休的目标, 个人需求.

401(k)s and 403(b)s can be powerful savings tools for individuals, allowing employees to compound their retirement saving through employer matches and reap the benefits of tax deferment until retirement. The basic employee compensation limit for 2019 to a 401(k) is $19,000, with a catch-up allowance of $6000 annually if you’re over 50.

The expert advisors at Rollins Financial Advisors can help you take the concrete steps you need to take upon approaching retirement. 如果可能的话, 你需要在退休前还清所有债务, 或者至少有一个偿还债务的好计划. You’ll need to make decisions about how long to work and how to handle the increasing challenges of elder health care.

Medicare is a great benefit to most people, but it doesn’t cover everything. You’ll need to budget for long-term care options, and services like vision and dental care. 如果你计划在65岁之前退休, you’ll need a plan to bridge the gap between your employer-provided health coverage and Medicare.

You’ll receive more Social Security benefits if you wait to start receiving it. Most people qualify to start receiving Social Security income at age 62, but your benefits will be greater if you wait until your full retirement age(FRA). 你的FRA取决于你出生的时间. 对于1960年以后出生的人来说，这个年龄是67岁. 如果你身体健康，期望退休时间长, it makes sense to wait until age 70 to start receiving your benefits due to credits available for delaying benefits past your FRA.

你的退休计划会随着时间的推移而改变. Early in your work life, you’ll want to sock away as much as possible. 你越早开始存钱, 随着时间的推移，这笔钱的复利就越大, 在你接近退休的时候给你更多的灵活性. Your investment strategy will shift as you approach retirement, as well. We can help you modify your portfolio away from riskier investments as your target retirement age approaches.

hg体育官网有其固有的风险. We can’t guarantee that all the investment choices you make will return profits as you prepare for retirement. 我们可以保证, 虽然, that Rollins Financial Advisors will always have your long-term financial goals in mind and will work for your well-being. We’ll create a retirement plan to give you peace of mind today and financial security later in life.