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INSURANCE GROUP
Our 5-Step Retirement
Planning Process
Define Your Goals
What does retirement look like to you? Travel, volunteering, time with family? Let’s identify your vision so we can plan accordingly.
Evaluate Your Income Sources
We’ll review your current and future income, including Social Security, retirement accounts, annuities, and any employer benefits.
Understand Your Healthcare Options
Medicare doesn’t cover everything. We’ll help you explore your options for supplemental insurance, long-term care protection, and critical illness coverage.
Build A Withdrawal Strategy
Timing your income matters. We’ll design a drawdown plan that supports your lifestyle and minimizes unnecessary taxes or penalties.
Protect Your Legacy
Retirement planning also includes making sure your wishes are honored and your assets are protected. We’ll help you coordinate with your legal and tax professionals to keep your estate plan aligned.
Retirement Planning That Works for You
Secure your future with clarity, confidence, and control.
Planning for retirement isn’t just about numbers. It’s about peace of mind. Whether you’re just starting to think about retirement or already close to making the leap, now is the time to take a closer look at your options. People are living longer, healthcare costs keep rising, and more of the responsibility falls on personal savings.
Most people don’t retire with a perfect plan. There are a lot of moving parts—Social Security, Medicare, income streams, taxes, long-term care—and it’s easy to feel overwhelmed. We’re here to help you make sense of it all and build a retirement plan that supports your lifestyle without the fear of running out of money.
And let’s be honest: you don’t want the U.S. government to be the biggest beneficiary of your hard-earned money—and neither do we.
Social Security Retirement Planner can help you.
A good place to start thinking about planning for your retirement is with the Social Security Planner.
Here you can find tools and guides to help you think through this phase of your life. It also points out things you may want to consider as you prepare for the future.
Looking for information?
Use the Retirement Estimator and the other benefit calculators to test different retirement ages or future earnings amounts
Find out what happens if you work after you retire or want to delay your benefits
Already near retirement age, you can:
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Get information about how members of your family may qualify for benefits
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Find instructions on how to apply for benefits and what supporting documents you may need to furnish
Close to age 65, you can find out how to apply for just Medicare. You may need to sign up for Medicare close to your 65th birthday, even if you will not be retired by that time.
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Some health insurance plans change automatically at age 65.
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If you are getting Social Security benefits when you turn 65, your Medicare Hospital Benefits will start automatically.
Where Do I Start?
Begin with the Basics
Social Security Timing:
When you claim your benefits matters. We’ll help you understand how your age, work status, and marital history affect what you’ll receive—and when it makes the most sense to file.
Medicare Decisions:
Navigating Medicare can be overwhelming. If you're turning 65 or still working past that age, we’ll help you avoid costly penalties, understand enrollment periods, and make informed decisions about coverage and supplements.
Income Planning:
We’ll take a detailed look at all your income sources—Social Security, IRAs, annuities, pensions, and other retirement accounts—and help you map out a withdrawal strategy that keeps you in control of your tax liability and lifestyle goals.
Tools and Resources We Offer
Social Security Analysis
Know the pros and cons of early vs. delayed filing and understand the real impact of when you file
Medicare Enrollment Timeline
Avoid penalties and coverage gaps
Retirement Budget Worksheets
Identify your real monthly needs
Life Expectancy and Income Projection Calculators
Understand how long your money needs to last
Risk Assessments
See how market downturns or medical events could impact your plan
Why Work With Us?
Personalized Planning
No two clients are alike. Your goals and your values drive the entire process.
Health + Wealth Integration
We connect Medicare planning with income planning so you’re not just protected—you’re prepared.
Trusted Education and Support
We host regular webinars and workshops to help you stay informed and confident about your retirement decisions.
Have Questions? Let's Talk.
Let’s take the guesswork out of retirement.
Whether you’re just beginning to plan or want a second opinion on your current strategy, we’re here to guide you every step of the way.
We specialize in helping individuals and couples transition confidently into retirement with tailored guidance that puts your needs first. From Medicare decisions to safe-money planning and legacy protection, our approach is rooted in education, trust, and long-term relationships.