Retirement Planning

No matter what your financial situation is, preparing for retirement can be difficult and time-consuming. Many people find themselves intimidated by the process of preparing for life in retirement.

Being comfortable can mean different things to different clients. Our goal at Capstone Investment is to your anxiety about retirement planning and work with you to create a roadmap for achieving your retirement goals with as little risk as possible.

Many of our clients assume to be able to retire you must be wealthy. Retirement is more about financial security than wealth. The key is to achieve financial security before you intend to retire.

Helping You Succeed in the Three Stages of Retirement

Because we lead such busy lives, most individuals don’t think about retirement until they have reached an age where friends and coworkers begin discussing timelines and calculating costs for life after employment.

At Capstone Investment, we are serious about getting our clients to retirement. We are committed to each of our clients and offer them a customized retirement map.

Stage One: Accumulation

In order to retire comfortably, you first must determine what you need to earn to get to your goal. Every investor has a different financial goal in mind when the term “nest egg” gets brought up. This is because every investor saves and spends at a different rate. Before you can successfully retire with a nest egg that fits your lifestyle, you first must identify your earning potential and build your portfolio with the intention of reaching retirement on time.

Stage Two: Pre-Retirement

We often hear our clients asking “Can I retire early?” “When can I retire and will I have enough money for retirement?” In order to help our clients achieve their goals of reaching retirement comfortably, we first must calculate their funded income. This is the income they want and need in retirement in order to maintain a life of significance.

Stage Three: Spend Down

Life during retirement will look different. You might have more time and your cash flow will change. This can be an exciting time while you realign your spending priorities. You might think about reducing spending in some areas while increasing in others. Capstone advisors will help you work through these changes.

As you have been saving, you’ve likely accumulated a number of accounts. Whether in the form of individual retirement plans like traditional IRAs, Roth IRAs, and rollover IRAs, or employer-sponsored plans like 401(k)s, Roth 401(k)s, 403(b)s, or Thrift Savings Plans, it is time to streamline your investment.

Figuring out what to do with these accounts as your retirement date approaches can be overwhelming. Capstone advisors can help you time your withdrawals to best coordinate with your Social Security and tax liabilities.

Understanding Your Risk to Retirement Date

Even in retirement, your portfolio will continue to experience volatility. Proactively managing portfolio volatility can be advantageous during retirement because it can smooth the ups and downs of the market. We help you the delicate balance between risk and the growth you need.

Are you ready to take your first steps towards retirement planning? If so, contact our team of financial advisors today. We can get you on the right track to reaching financial security so you can enjoy retirement comfortably.