Retirement Planning

Joel, as a Retirement Income Certified Professional, the one thing he can tell you is the sooner you add guaranteed monthly income from pensions, annuities, and/or social security, the higher likelihood you have of retirement income success for your lifetime. Because in doing this, and taking guaranteed income sooner rather than later, you will allow your own personal nest egg to grow and compound for a longer period of time with a much smaller percentage of withdrawals, if any at all. In other words, we’re spending less of the assets that can be left behind to your heirs, and spending more of the assets that cannot. Our office specializes in using wealth-building tools that can help mitigate risk and allow your money to grow tax-free - and be removed potentially tax-free when you are ready for retirement.

Tax-Advantaged Retirement Strategies

Don’t do what everyone else does (the do nothing position), be proactive to lower your tax liability from the IRS and state government by utilizing tax planning strategies. Remember, your number one guaranteed creditor every year is the IRS. Only you, with the help of qualified advisors, have it in your power to manage your money with a tax-efficient strategy.

Financial Planning

When it comes to your investments--What’s your plan? Do you have one? Do you have a strategy? Or do you fly by the seat of your pants not knowing where your portfolio will take you in the future? Reaching retirement and staying retired are two very different things and if you want to stay retired, you need a defined objective when it comes to your investment strategies. Most importantly, the plan that you have needs to deliver you financial confidence with your investments for the future.

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Predicting the Future

None of us can predict the future, just as none of us knows which individual stocks or mutual funds will be going up and down or when the next big national or global issue will affect actively traded money. Investing comfortably for the future is about financial readiness and confidence that your portfolio will not only deliver when times are good, but that it will provide you some insulation from loss when times are tough.

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You have a choice to implement the recommendations in your financial plan on your own, with your Financial Planner or through another financial services professional. If you chooose to implement your plan with your Financial Planner, he or she may sell other services and products to you in his or her capacities as (i) an investment adviser representative ("Advisory Representative"), (ii) registered representative of Pruco Securities, LLC, and/or (iii) a licensed insurance agent of Prudential (collectively "Prudential Representative".) My compensation may be based on a combination of fees and commissions.

Retire With Less Risk

Most people have no idea what their true appetite for risk is when it comes to growing wealth for retirement. JS Financial can teach you how to potentially lock in stock market gains on an annual basis and grow your wealth while mitigating risk of loss due to market turndowns. JS Financial will guide you as you build a tax-efficient retirement nest egg in the least painful and least risky manner possible.

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Guaranteed Income

The concept of using tools to provide a guaranteed lifetime income stream is more important than ever in today’s world. There are a number of different products that offer guaranteed income in the marketplace. The happiest retirees have this in common: their monthly income needs are met with guarantees. These guarantees come in the form of social security, pensions, and properly designed annuities.

If you’d like to know more details, or to take a deeper dive into how this might apply to your individual situation just message us and we would be delighted to help.

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