Skip to main content

Retirement Planning

Retirement Planning for 50 Plus

Retirement planning is essential, but do you really know how to do it effectively? The truth is that retirement planning is about more than just saving money. It’s about making smart decisions, and those decisions start long before you reach retirement age. For instance, do you know which investment categories will provide the best income? After you retire, do you know which accounts you should withdraw from first?

When it comes to retirement planning, some of the life decisions that will impact your retirement involve things like how to take care of your children and parents while you’re still working without sacrificing your own retirement efforts. It involves considering your plan five to 10 years before you retire, when you still have time to shift things around, and possibly lower your tax burden—which can net you more retirement income.

The Top 3 Retirement Concerns

Will I have enough money to live on during retirement?
Unfortunately, according to the Transamerica Center for Retirement Studies, the estimated retirement savings for someone age 50+ works out to an annual retirement income of just $8,000 per year. Let’s discuss your plan right away.
Will I be able to afford the costs of healthcare during retirement?
A USA Today article estimates that a retired 65-year-old couple can expect to pay $315K in out-of-pocket health care expenses including premiums, co-pays and deductibles. This illustrates that Medicare is far from free. And remember, Medicare doesn’t even cover long-term care if you need it.
Will I be able to maintain my lifestyle and legacy after retirement?
According to the Bureau of Labor Statistics, the average adult between ages 65 and 74 spends almost $49,000 a year, but only has $152,000 saved for retirement. Let’s talk about ways we can help you save, and then generate retirement income from your savings once you retire.

Our Investment Approach

Our proprietary approach to investing, called the TRIAD, diversifies your investment portfolio into three categories: safe, income, and growth. This approach has a greater chance of providing you a cushion during times when the market is performing poorly.

Our Approach

The Time for Retirement Planning Is Now

Even if you’ve talked with an advisor before and have a decent grasp of some of these topics, knowledge alone won’t get the job done. You have to take action. That philosophy is proven in a recent survey conducted by AARP. In short, 87% of those who took the survey believe retirement planning is important, but only 42% feel they’re actually prepared.  Knowledge means nothing if we don’t take action.

We can provide a second opinion and help you take that action. We’ve been helping others do that very thing for more than 25 years now. In that time, we’ve managed to win the Santa Barbara News Press Readers’ Choice award for top financial advisor 16 times.

Contact us for your own second opinion today, and let us put our proven track record to the test for you.


Attend an Event

We routinely host educational workshops, seminars and webinars that offer solutions to our clients’ most common problems. We’d love for you to join us.


Watch Our Webinars

We took some of the most important financial and retirement topics and created webinars to help explain them. Watch our past webinars here.


Want To Be Smarter with Your Money?

Join our mailing list and get news and information to support your financial goals.