Customized Guidance Tailored to Your Needs Retirement Planning

Retirement Planning

Retirement planning is the process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Mueller Financial Services’ approach is to assist in development of individualized custom plans as your situation and goals are unique. Retirement planning includes identifying income, estimating expenses, implementing a savings program and managing assets. Future cash flows are estimated to determine if the retirement income goal will be expected.

Key questions to consider

Enjoying a financially confident retirement will not happen by chance, yet many people spend very little time dedicated to understanding how they will fund their retirement. Many assume or hope that their 401(k) plan and Social Security will be sufficient. It is not unrealistic to expect to live 20 or even 30 years in retirement, and many people do not know what they need to do in their working life to prevent outliving their assets. When planning for retirement there are many key questions.

  • How do you envision your lifestyle in retirement?
  • What percentage of your current income level will you require in your retirement years?
  • How will you fund your retirement?
  • What is the best way to invest your retirement savings?
  • When will you begin receiving Social Security checks?

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Our Approach

We position retirement planning within the context of comprehensive wealth management. Our detailed analysis of your unique situation involves understanding what is most important to you, identifying the risks you face, and calculating how much income you will need annually during retirement based on your required standard of living and estimated inflation rates. We will help you devise a comprehensive plan, which when implemented and carefully monitored helps to ensure your financial well-being. Our approach to investing your savings is to construct a diversified portfolio, which seeks to help  increase your financial independence during retirement.

There is a confusing array of retirement saving vehicles available. Some of the options include 401(k) and Profit Sharing plans, Pensions, SIMPLE Retirement plans, SEP IRAs, Traditional IRAs, Roth IRAs, Keogh plans and Tax Deferred Annuities. We will assist you by providing answers to a myriad of questions that arise based upon your unique situation. Whether you are in your accumulation or distribution years, we can help.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. No investment strategy, including diversification, assures a profit or protects against risk.

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