Retirement Questions. Retirement Answers.

For many people, planning for a secure and comfortable retirement is Issue #1. Concerns about Social Security, company pensions, and a volatile investment environment all add to the uncertainty. We simplify the complicated and help our clients ask and answer the right questions, using an evidence- and research-based framework for the important decisions each one must make. The following are some of the retirement-related questions we help our clients answer — and not just once but on an ongoing basis, addressing these issues — and others — as they arise.

  • Do I or will I have enough? Am I going to be OK?
  • How much will I need to retire, considering inflation, health care, additional travel and other retirement costs?
  • How much should I be saving each year so that I can retire?
  • What’s the earliest I could retire if I wanted to?
  • How can I track my progress towards retirement over time?
  • I’ve been offered an opportunity to retire with an ‘early-out’ package but I don’t know if I should. What should I do and how can I decide?
  • What is the most appropriate pension option to select: lump sum, annuity, single life only, or joint-and-survivor?
  • How should I coordinate my health insurance with respect to COBRA, Medicare and any gap period between the two?
  • I’ve heard that the order I withdrawal / spend my investment funds can make a big difference in how long my money will last? What’s the right order for my specific situation?
  • When should I take Social Security — at age 62, 66, or 70, or somewhere in between? And how should I coordinate spousal or ex-spousal benefits?
  • I’ve heard that making a mistake on how to take my IRA or retirement plan distributions when I turn 70 can be really costly. How does this all work?
  • Should long term care insurance be part of my plan?