Benefit Financial & Insurance Service

For even the most financially literate individual, planning for retirement can be a very challenging undertaking. The days of relying solely on your pension and Social Security benefit to satisfy your income needs during retirement are long gone. In today's economic climate, historically low interest rates coupled with high market volatility rates have made planning for retirement difficult and more important than ever.

When it comes to planning your retirement, there is no shortage of components to consider. Making an income plan, deciding when and how to file for Social Security, and minimizing the impact taxes may have on your retirement assets are just a few of the issues you will need to address. Crafting a retirement plan that is capable of supporting your lifestyle and rewarding the years you spent in the workforce is no easy task.

At our firm we take pride in providing comprehensive retirement planning services to our clients. We review our clients' wills, estate plans/trusts, taxes and insurance. Our comprehensive services integrate all aspects of our client's financial picture in a coordinated effort to provide for financial clarity and multi-generational wealth.

Your Social Security retirement benefit represents a lifetime's worth of savings, time, and work, and is most likely your oldest and largest retirement account. Although many Americans are familiar with the basics of Social Security, very few are able to figure out - on their own - exactly the best way to file so they can get the most out of all they have put in.

Perhaps the most impactful piece of retirement planning is determining your current and future tax liability and developing strategies to minimize the amount of taxes you pay in retirement. Tax planning can have a large impact on the amount of wealth you will be able to transfer to your legacy.

We will help ensure that your retirement plan is tailored to utilize both tax advantaged and taxable products to help certify you and your heirs are maximizing wealth for generations to come.Working in concert with your personal tax professional or our partnership with local CPA firms, we can provide tax reduction strategies.