Have Confidence in Your Retirement Planning
Do you have a financial plan for retirement? As retirement financial advisors, we’ll work with you to map a path toward retirement, including how to protect and diversify your investments to get the most out of your money. We’ll also help you think through the best time and strategies to withdraw funds when you need them, so you’ll feel confident you’ll be ready for retirement in the years to come.
We’re financial advisors for every phase of your retirement.
We meet most of our clients in their pre-retirement, working years and guide early savings and investment decisions. Along the way, most of our clients experience life changes. Then, the day they’ve been planning for arrives and retirement is eminent. We’ll help you through every phase, even after retirement, ensuring your strategy still fits your lifestyle and you continue to feel secure in your decision-making.
Reaching your retirement goals starts with a personalized plan
Your retirement is personal, and our priority is to put the right financial strategy in place to realize your specific goals. We want you to retire with confidence—wherever you’re at in the journey, feeling secure in your financial plan and investment strategy for years to come.
Retirement Planning Services
You only get one chance at retirement. Let PFM create a plan to help you retire with confidence.
Let us manage your investment portfolio and asset allocation strategy. We consider your goals while keeping a pulse on the market, and balancing that with our foundational long-term strategy, so you know that every action we take on your behalf aligns with your plan.
Tax planning is incorporated into our financial planning service. Crafting the appropriate tax strategy is not only critical to your long-term success, but as fiduciaries, we have a responsibility to make recommendations in your best interest.
We review your accounts, savings and contribution strategy, as well as your long-term tax plan to ensure we create the best, custom fit possible for your financial future.
Retirement milestones by decade…
Contributing to your savings in 401(k)/403(b), Roth IRA, and taxable accounts
Saving for college and understanding your education funding options
Determining adequate property and casualty insurance
Deciding on life and disability insurance
Beginning to work with financial advisors
In your 40s, you’re...
Eligible for catch-up contributions
Eligible for penalty-free withdrawals from certain accounts
Solidifying your retirement goals and timeline
In your 50s, you’re...
Becoming eligible for Medicare
Planning to sell your business or real estate
Reviewing your estate documents
(Wills, Trusts, Powers of Attorney, etc.)
In your 60s, you’re...
Required to take minimum distributions
Eligible for tax-free charitable contributions from required minimum distribution
Considering tax implications for your heirs
In your 70s, you’re…
There are a host of decisions to make as you approach retirement. We’re here to answer questions and develop a plan of action so you can take on the coming decades with confidence. We help you plan for unforeseen life events like loss of a job, death of a spouse, and disability or other health issues.
What to consider when you’re about to retire
Affordable Care Act and other private insurance
Medicare and supplemental insurance plans
Long-term care insurance
Healthcare Options
When to collect
Spousal/Survivor benefits
Taxable amount on Social Security benefits
Social Security Claiming Options
Considerations for calculating the income needed for retirement:
Living expenses
Additional retirement goals
Sources of retirement income
Impact of inflation
Tax rates
Balancing Income and Expenses
Ask us how you can retire to your best life.
We have two goals for your retirement: long-term financial security and confidence in your retirement preparedness. Let us help you retire the way you imagine.
