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 Are You A Successful Professional Worried About Retirement?
Your Retirement Years Can Be The Best Years Of Your Life.
Mark Stempel & Associates works with clients between the ages of 45 and 65 who are currently in the process of retiring or plan to retire within the next ten years. They are concerned with building and maintaining financial security for themselves and their families so that they can retire and maintain their current quality of life.
Our clients are typically successful professionals who have earned good incomes and have been disciplined savers, but have rarely looked at the big picture. They have begun to realize that a successful retirement will depend not only on accumulating assets, but on having the proper insurance in place, having an up-to-date estate plan, and having a plan for taking distributions from their portfolio, that maximizes income while reducing taxes and expenses. They realize that this is more than they can do on their own. They need a comprehensive plan and a fiduciary advisor to guide them through the process.
Do You Have Any of These Concerns:
- Am I on track to retire? Do you know how much income you will need at retirement and how much you need to invest now to grow your portfolio to the needed level?
- How do I allocate my portfolio once I retire? You want to make sure that as you begin taking income distributions that you don’t outlive your portfolio.
- How do I minimize my taxes? You want to make sure that you are making smart tax moves so that you are maximizing your income.
- Where do I get objective financial advice? You may have worked with a financial advisor, stock broker or insurance agent or simply trusted your own common sense. You know you need help moving forward but want to make sure that the professional you work with is placing your best interests above their own.
What Would Your Retirement Be Like If The Following Were True?
- You are on track to retire – You know what it cost you to live, how much income the portfolio will produce for you at retirement and what you need to invest now to grow your portfolio to the needed amount.
- Your portfolio is properly allocated – You know that regardless of any economic changes your portfolio will provide you with your needed income for the rest of your life and you will have a nest egg to pass on to your heirs.
- You are paying the least taxes possible – Your portfolio is allocated to reduce both your taxes and investment expenses. You are making smart tax moves that maximize your income.
- You are receiving comprehensive objective financial advice – You are working with a fee-only financial advisor who is not trying to sell you financial products. You know that the advice you are receiving is free of conflicts of interest.
You’re Not the Only One With These Challenges
As 78 million baby boomers reach retirement without the promise of pensions, social security, or lifelong health care, it becomes increasingly important to know how to save and invest enough to live a good life. As our financial lives become more complex this becomes all but impossible to accomplish on our own.
Four Key Steps To A Successful Retirement
- Assess your Current Financial Situation – Know where you currently stand. What is your current net worth, investable assets and annual income.
- Clarify your Goals for Retirement – What does your ideal retirement lifestyle look like and how much annual income do you need to produce it.
- Create and Implement Your Retirement Roadmap – Create a plan that tells you how much you need in investable assets when you retire, how much you need to save and invest now and how to properly allocate your portfolio.
- Periodically Review and Revise your Retirement Roadmap – Retirement planning is a process, not a one-time event. It requires change and adjustments along the way.
Your Next Step
Since 1989, Mark Stempel & Associates has helped hundreds of successful professionals retire successfully. We helped them take the steps outlined above and guided them in implementing a plan that resulted in lifetime security.
 May I give you a valuable free gift? This report, "The 7 Costliest Retirement Mistakes Successful People Make" reveals the expensive mistakes your peers are making--and how you can avoid them.
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