Retirement planning focused on helping you achieve your goals.

Whether you are already retired or nearing retirement, at this stage of your life, your tolerance for risk may have changed. You need to protect the value of your retirement savings, yet grow them to provide enough income to last your lifetime. With thoughtful, detailed planning we can help you to be confident and comfortable with the financial decisions you make.

We craft your tailored retirement plan with the following financial services:

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Retirement Income Planning

We develop a strategic income plan that focuses on lifetime income using Retirement Investments, Social Security optimization, and tax advantages to ensure a lasting retirement income.

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Asset Protection

We carefully align your financial program with your retirement goals throughout your lifespan and beyond by diversifying assets among a variety of investment and insurance vehicles.

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IRA & 401(K) Rollovers

We facilitate the rollover of your retirement savings accounts – helping avoid unnecessary taxes, penalties, and fees and finding the best vehicle to conserve and grow your rollover assets.

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Tax & Estate Planning

It’s more important than ever to incorporate tax and estate planning into your portfolio to ensure that your wishes are fulfilled and your loved ones are cared for past your lifetime.

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Investment & Portfolio Management

Our management style focuses first on wealth preservation and provides retirement investment solutions tailored to the goals of each client and their desired level of risk.

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Life Insurance

Typically in the form of a universal life or whole life policy — Life Insurance can help families provide funding to pay estate taxes and provide other benefits for protecting wealth.

Retirement Planning Steps:

Vision

We start by getting to know each other. We want to understand your unique circumstances, personal objectives, and what you are concerned about most for retirement. During this discovery process, we will do a holistic review of all facets of your financial life. If at the end of this meeting, our philosophy on how to plan for retirement aligns with your goals we will move forward with the next step.

Assessment


Next we seek to understand where you stand financially in terms of retirement savings and investment and whether your current portfolio matches your future retirement needs and goals. We assess the following:

  • risk and volatility of your portfolio
  • type of returns your portfolio is designed for
  • fee analysis to uncover all disclosed and undisclosed mutual fund fees, advisor fees and variable annuity fees

Strategy

Now we know your vision and have assessed where you are. The next step is to create a strategy with retirement solutions that will fulfill your vision. This customized retirement plan would include an income plan, an investment plan, tax planning and even estate planning. This plan will be your personal thumbprint for your family. If you are in agreement that this plan meets all of your personal needs and goals, we will begin the execution.

Action

Now it’s time to make changes. This is the step where we open up the toolbox of retirement investments and products and we use those tools to implement the strategies we have created together.

Ongoing Relationship

Every family that becomes a part of “our family” is very important to us. We want to continue to build upon that relationship and will meet for regular reviews to help ensure that your roadmap to and through retirement stays on course, but has the flexibility to meeting your potentially changing needs. We are in this for the long haul and our goal is to work closely with you throughout your retirement journey to help ensure you’re financially strong and confident every step of the way.

Schedule a complimentary consultation with an advisor.

Call our office at 314-909-1116 or leave your information to be contacted for scheduling

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Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Global Financial Private Capital or GF Investment Services.