Just imagine a complete portfolio, where all your financial, estate, and tax preparation needs are addressed in a customized binder.

This is your comprehensive retirement plan. Our coordinated approach ensures that your plan is developed using an all-inclusive view. We have found that many financial services professionals focus on products; our experience shows that our clients’ needs are best met by focusing on processes and most importantly, people.

Retirement Income Planning

Retirement Income USA takes pride in providing comprehensive retirement planning services to our clients.

We review our clients’ wills, estate plans/trusts, taxes, and insurance. Our comprehensive services integrate all aspects of our client’s financial picture in a coordinated effort to provide for financial clarity and multi-generational wealth.

Investment Management

We’ll build a personal investment strategy for you.

For years, the traditional investment management sales approach has been to simply ask how much money you have and then tell you how they’ll invest it. Compounding this shortsighted approach, many advisors are often too focused on selling proprietary products—with little consideration on what matters most to you. That’s not our way.

Tax Planning

Perhaps the most impactful piece of retirement planning is determining your current and future tax liability and developing strategies to minimize the amount of taxes you pay in retirement.

Tax planning can have a large impact on the amount of wealth you will be able to transfer to your legacy. We will help ensure that your retirement plan is tailored to utilize both tax advantaged and taxable products to help certify you and your heirs are maximizing wealth for generations to come.

Working in concert with your personal tax professional or our partnership with local CPA firms, we can provide tax reduction strategies. Proactive tax planning allows our clients the opportunity to minimize tax burdens and build a solid foundation of tax reduction strategies that can result in years of tax savings.

Tax Planning Services:

  • Roth conversion analysis
  • Year-end tax filing services
  • 1040 tax optimization reports
  • Personalized tax reduction reports

Income Planning

A Fidelity study found that three out of four pre-retirees don’t have an income plan, and of that group, one third say they didn’t create a plan because they were afraid of what if might tell them. Today’s challenge is to make your retirement nest egg generate enough income to last for the rest of your life.

If a couple is 65 years of age today, there is a more than 50% chance one of them will live to age 92. Many Americans will spend as much as a third of their lives in retirement.

 

Through our process, we’ll help you answer these important questions:

  • How should I plan for retirement?
  • Will my investments keep pace with inflation?
  • How can I keep my portfolio growing without assuming too much risk?
  • How much can I withdraw without depleting my savings too soon?
  • Will health problems cause me to dip into my retirement savings?

Social Security Maximization

Social Security provides the income stability that many retirees are looking for in retirement. Because of the complexity, there are many important, individual decisions that need to be made to choose the best option for you.

We have put together a process that helps you answer the following questions:

  • What is your Social Security amount?
  • When is the best time to start taking your Social Security Benefit?
  • Are there different options if you are married?
  • Is there an impact of earning additional income when you are receiving your benefit?
  • How much tax are you paying on your Social Security?
  • Are you concerned about the amount of retirement income you will be receiving?