helping Plan for your retirement

How to Plan for Retirement

One of our core principles includes the importance of safety in a retirement strategy. Put another way, you did a good job saving. Now, it’s time to protect that money. When we are asked, “How to plan for retirement?” our answer is the same. The best retirement strategy include a component of safety as their foundation. Yes, you can look for ways to earn a reasonable rate of return.* But, protecting your assets should be the first step in reaching your retirement goals. Depending upon your stage of planning, you may need a new strategy. For example, people tend to want less risk in their investments as they age.

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Reviewing Your strategy

On top of our no-cost learning seminars, we also provide retirement reviews at no additional cost. At this meeting, we’ll look over your current assets. In addition, we’ll discuss your goals and any areas of retirement or lifestyle that are important to you. Of course, we encourage you to bring your questions to our meeting so we can provide answers. Or, we may be able to point you in the right direction if what you need is outside the scope of our services. Some of the topics we can review with you include:

  • Benefits of a clear and concise retirement strategy
  • How you can use safety as a principle in your strategy
  • Risks of current portfolio investments
  • Evaluating the amount of risk you are willing to take
  • Goals and needs in retirement
  • Ideas for transferring wealth to your heirs

The Real Question is...

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"How to plan for retirement for you?"

Obviously, everyone’s needs are different. This is why we recommend you speak with us, one on one. Finding a financial professional with experience and who will listen to your goals and ideas is critical. Of course, every strategy relies on the individual concerns and needs of the client. So, look for a financial professional who will walk with you, side-by-side to find the right solution for you. What you value is what we value.

How to select a financial professional

One thing we make clear: we only work with clients if we know we can help them. Although there are some financial professionals out there who focus on products first, we don’t believe that’s the way to do business. Clients’ needs come first, always. So, sometimes that means we aren’t a fit for some situations. And that’s ok. If your services are not a match for some reason, we’ll help guide you to someone who can help. Overall, however, most people we meet with do have a need that matches our philosophy and offerings. Trust is a key element here. Therefore, no matter who you decide to work with, make sure you feel confident in their abilities and that you feel a sense of trust.

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Sometimes your needs will shift over time. For example, you may have been open to investments with more risk when you were younger. But, now that you are no longer working, you're looking for less risk. Of course, most retirees cannot afford to experience a big dip in their retirement account. Especially as we age, our ability to recover from big losses becomes less and less. In these cases, people may have to work longer than what was in their original plan. Or, what's worse, people who suffer market loss could find themselves needing to return to work after retirement to make ends meet. This is definitely not a situation we ever want our clients to be in.

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Work with a professional who can help you determine what the best retirement strategy is for you.

Education is key

The choices you make today regarding your money could impact you later. Hence, we focus on giving you the financial and retirement education you need. At Orfin and Associates, our dinner seminars provide information you can use now as well as for your strategy for the future. Plus, we pay for you to enjoy dinner on us while you take in the lesson. For example, we go over options for money security and protection in retirement. We also talk about various tax strategies, facts about retirement strategies, and ways to leave money to your loved ones. You can't make a decision without being informed. So, we encourage you to sign up for one of these educational seminars to learn more. You've got nothing to lose and lots of knowledge to gain.

Yes! I would like to learn all the options available to me in retirement.

Please contact me for a retirement strategy discussion. There is no cost for this meeting.

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Fresh Approach To Retirement

Orfin and Associates has a long-standing reputation for helping people. It's our driving force. Furthermore, we believe the best way to help you is to offer a stable retirement strategy option. You deserve to feel confident that your money is safe in your "golden years." We're here to walk you through how to do just that. We look forward to meeting with you and working together to develop a strategy that best suits your needs.

*Reasonable rate of return over time.

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