Retirement Planning Services
Harbor Lights Financial Group planning services offer clients a commitment to the sound advice and strategy necessary for retirement. And because we have no obligation to sell any specific financial product, you can trust that we will only recommend those best-suited investments to our client.
What is Retirement Planning?
To start, let’s define what retirement is. It is a time in life when someone decides to leave work behind permanently. Typically, the retirement age is somewhere in the 65-year-old range. At least, it is in the U.S. where there is a pension or benefits system to help with retirement income. In the U.S., specifically, there is the Social Security Administration (SSA) to support retirees with monthly income benefits. All things considered, retirement normally requires a plan.
So, let’s then define ‘retirement planning.’ When retirement is approaching, one should plan to pay down debt, contribute to any retirement accounts, and assess all assets. Retirement planning prioritizes goals for retirement and then what’s necessary to achieve them. The sooner this planning begins, the better. It may include saving money, identification of expenses, potential sources of income, or available assets, and managing it all in ways that meet a future retirement goal. There are also tax-advantaged retirement investment solutions to consider. With this all in hand, a retirement goal can be reviewed against the combined positions to see whether or not that goal is possible and in the ‘life timeline’ proposed. Regardless, a strategy and a discipline for getting to one goal or another can now be put in motion.
Why Harbor Lights Financial Group For Retirement Planning?
Harbor Lights Financial Group is committed to a set of planning standards! These standards include that we will always do the right thing, always ask the right questions, and always be accountable! We intend to help our clients make the most objective choices based on in-depth professional knowledge & support. And Retirement Planning options & choices will never solely be management driven. And if any one of these services is of interest, please ask us about Estate Planning, Life Insurance Planning, Generational Planning, or College Planning today!
We are also a team of advisors and CERTIFIED FINANCIAL PLANNERS™ (see below) — professionals who help people like you with customized strategies designed to enhance and/or preserve your assets for retirement. We work to realize your financial goals, empowering you to enjoy the freedom that brings.
Robert Tendler – CFP CLU
Jonathan Shippee – MBA CFP
Douglas Lockwood – CFP
David Scureman– MBA CFP
Kenneth Roberts – CFP
Trust services are available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors. Wells Fargo Advisors and its affiliates do not provide legal or tax advice. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.
If you have any questions, please get in touch with Us Today!