Retirement Planning Made Simple
Whether retirement is years away or already here, it helps to see how the pieces fit. We start with the life you want, then discuss the resources you have and the choices you may need to make.
Questions we can explore
When could I retire?
Where will income come from?
What about healthcare?
How should my investments change?
Review savings, spending and possible income sources, while allowing for uncertainty and changing needs.
Consider Social Security, pensions, investment withdrawals and other resources together.
Plan for coverage before Medicare, understand enrollment choices and consider out-of-pocket expenses.
Discuss risk, access to money and the role investments may play throughout retirement.
Where annuities may fit
An annuity is an insurance contract, not a retirement plan by itself. Depending on its terms, it may address a specific income need. It is important to compare costs, access to your money, surrender charges and the insurer behind any guarantees. Annuities are not right for every situation.
Annuity guarantees depend on the issuing insurer’s financial strength and claims-paying ability. Annuities are not FDIC insured and may involve fees and holding periods.
Medicare choices affect both coverage and your retirement budget. Understanding enrollment periods, premiums and coverage limits can help you ask better questions before choosing a plan.
Start with your questions
Bring the decisions you are weighing. We can discuss what information would help and explain the scope and cost of any proposed services before you decide to move forward.
Michael Moffat | Investment Advisor Representative. CRD #8313572 | NPN #9588628. Investment advisory services offered through West Wealth Group, LLC, an SEC Registered Investment Adviser. Investing involves risk, including loss of principal. This website provides general education, not personalized investment, tax or legal advice.
Get in touch
630-749-2539
info@moffatfinancial.com
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Investment advisory services offered through West Wealth Group, LLC, an SEC Registered Investment Adviser. Investing involves risk, including loss of principal.
General education, not personalized investment, tax or legal advice. Insurance and annuity guarantees depend on policy terms and the issuing insurer’s claims-paying ability. Annuities are not FDIC insured.
