We help you create sustainable withdrawal strategies so your nest egg supports you throughout your lifetime, no matter how long you live.
We analyze your income, assets, Social Security options, and lifestyle goals to build a clear retirement timeline you can trust.
We guide you through the best timing and coordination strategies for maximizing your benefits and minimizing healthcare costs.
Most retirees often think the biggest risk is running out of money, they do not notice the risk of regret – regret that they did not take the opportunities they had when they could. I will try to give you permission to spend in ways that help you achieve your goals and live a fulfilling life without unnecessary anxiety.
Income guardrails technology allows for automatic adjustments to retirement income based on market performance and other factors.
This approach:
Retirement spending isn’t set in stone. Your superpower is your ability to adjust. My job is to monitor your situation and tell you when you can afford to spend more and when it would be a good idea to tighten your belt. Like so many things in personal finance, this is about balance. We need to avoid the two significant risks of retirement: overspending and underspending.
Social Security is the foundation of a secured retirement, providing inflation adjusted income for life. But on average, it replaces only about 40% of pre-retirement earnings and even less for higher income earners. To have a comfortable retirement people also need other sources of income such as a pension, retirement savings, home equity or a job. It was never intended to be the only source of retirement income.
Social Security is a complex program, and the retiring population needs support navigating the tricky claiming decision process. If you’re like most retirees, your Social Security benefit represents years of savings and hard work. You may plan to use it to build your retirement income. Though you may have some basic familiarity and knowledge about filing for Social Security benefits, far fewer people can determine the optimal way to file so they can maximize their benefit and combine it with other retirement strategies.
Our Social Security Optimization Proprietary Software allows us to create multiple scenarios and compare them to understand the pros and con in dollar amounts of claiming sooner or later. Provides a comprehensive report which estimates monthly Social Security income based on claiming retirement ages and earning records. With our help, we examine other factors that may affect your decision, such as other income sources, taxation or health concerns.
As a licensed insurance agent, I do more than explain Medicare—I help you make confident, informed decisions about your coverage.
All content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Nor is it intended to be a projection of current or future performance or indication or future results.
Opinions expressed herein are solely those of Quality Financial Planning, LLC and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by Quality Financial Planning, LLC an Investment Advisor in the States of Texas and Florida. Being registered as an investment adviser does not imply a certain level of skill or training.
Insurance products and services are offered through Reyes Benefits, Inc., an affiliated company. Quality Financial Planning, LLC and Reyes Benefits, Inc. are not affiliated with or endorsed by the Social Security Administration or any government agency.
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