Retirement Planning

We think of retirement as a beginning to a new chapter in your life, not an endpoint.  Whether that means the beginning of a new career, going back to school, traveling or spending more time with family, being retired means doing what makes you happy.

For many people, thinking about and planning for retirement can cause a great deal of fear and anxiety.  The closer they get to retirement the more worried they become about how long their assets will last and whether or not they’ll be able to maintain their standard of living once they stop working.

At Aspen Wealth Management we’ll help you develop a retirement plan that addresses all of your concerns and works towards giving you the peace of mind to focus on the things that make you happy.

Our process involves:

  • Retirement Assessment – we’ll conduct a comprehensive analysis of your current assets, savings and future income needs to determine whether or not you are on track for retirement.  If you are currently tracking for a successful retirement, we’ll strive to enhance your current strategies in the areas of tax efficiency, investment strategy and estate planning.
  • If you are not on track for retirement, we’ll help you identify the steps you need to take to get there.  These steps may include increasing your savings, changing your investment strategies, alternate pension strategies and perhaps working longer.
  • Tax Strategies – most retirees have done little or no tax planning which can have a negative impact on their standard of living during retirement.  With strategic tax planning we help keep more of our client’s hard-earned money in their accounts and out of the IRS’s hands.
  • Providing retirement income – our retirees seldom worry about next month’s “paycheck”.  We use a variety of sophisticated investment strategies that may potentially provide reliable streams of income and protect their investments from market downturns.
  • There are multiple factors to consider when planning your retirement.  We’ll help you understand and consider many variables including:
  • Social Security
  • Medicare
  • Pension Maximization
  • Healthcare costs
  • IRA Distributions
  • Required Minimum Distributions
  • Annuities
  • Long Term Care