The Stages of Financial Planning

No matter what your age or stage in life you should start planning with the end in mind — the stages of retirement planning:

Twenty-Something and Newlyweds - Planning your financial futureTwenty-Something and Newlyweds –
Planning your financial future

• Identify goals and develop a life time financial strategy
• Maximize employer retirement plans
• Get a Quick start – the magic of compounding…Less now means more later
• Plan for major expenditures…home,car, vacations…


Middle Age - The Accumulation Years Middle Age –
The Accumulation Years

• Maximize retirement contributions and asset accumulation
• Get the most out of your investments
• Protect the family – risk management
• Plan for kids and college


Fifty Plus - Getting Ready to Retire Fifty Plus –
Getting Ready to Retire

• Retirement -how, when and where
• Evaluate healthcare alternatives in retirement
• Plan for social security and Medicare
• Position investments for distribution


Retirement - Enjoying your Golden Years Retirement –
Enjoying your Golden Years

• Determine portfolio withdrawal strategies and consider annuity alternatives
• Budget cash flow changes over time
• Maximize government benefits
• Manage healthcare