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The path for your retirement needs a similar focus as you took in the path for your career. It requires making smart decisions, taking the right actions, making changes when necessary, and continuing to evaluate and adjust for improvements.

Our goal is to create a well-designed strategic plan to help take the burden off you and give you contentment that your family’s future financial needs are considered. Your plan takes into account the expected and the unexpected along your retirement path so you can live (and sleep at night) without typical financial worries. In retirement, we want you to connect with your priorities and passions and have the ability to fully enjoy your new position in life.

Find out more about the Five Pillars of Our Financial Planning Methodology.

At Paul R. Ried Financial Group, we are passionate about helping our clients succeed, simplifying their lives, and helping them achieve financial independence. We know that planning is not a one-time activity. We have a unique ability to address each client’s unique life planning goals, applying the resources necessary to develop creative solutions and insightful recommendations.

Pre-Retirement Planning

Retirement may be next month, next year, or just a seemingly far-off dream. We are here to help you answer the question, "When can I retire?"

Before you take that big step, we work with you to create a personalized plan that covers topics such as how to generate income after retirement and which pension benefit option best suits your goals. Education is important to us; we take the time to answer all your questions and always act in your best interest. One of the biggest factors of a successful retirement is a successful investment plan and we use our detailed investment philosophy to make the best proposal we can for you.

Once it is time to move forward with retirement, we are right there beside you. Opening an account is a seamless process whether we complete the paperwork digitally through DocuSign or physically on paper. Do you have questions? We would be happy to schedule a meeting with you to walk you through each document. Then, when it is time for the 401k rollover, we do everything in our power to make that transition go smoothly with your employer.

Check out our document, Your Questions, Our Answers, to look at the most commonly asked questions by pre-retirees since our firm was founded in 1986. These are the types of questions we routinely answer during our Client Planning Process.

Post-Retirement Planning

Congratulations - you retired! While you enjoy this well-deserved rest, we have the privilege of watching the markets and your account performance to keep your "extended vacation" going. However, this is not to say that we do not keep you informed. We meet with you on an annual or semiannual basis to address performance, changes in your life, and economic updates has been since the last meeting. Throughout the year, we also regularly send out Market Commentaries, emails, blog posts, and videos. If at any time a question or concern arise outside of the regular meetings, we encourage you to call or email us - it is that simple!

As time goes on, your needs and goals will change, and we work with you to ensure no one misses a beat. We assist you in staying on top of items such as Social Security timing, Medicare enrollment, and your required minimum distribution (RMD) for your individual retirement account (IRA). Then, we go one step further and address the difficult topics, including continuing care and your estate transition.

Our service to you does not end once you retire, it is merely the beginning!

Family Financial Education

Your plans and goals may include your children, grandchildren, or even great-grandchildren. If you are interested, we are happy to educate your next generation on important financial topics. At your request, we may hold a meeting with you and any desired family members to review topics including, but not limited to accumulating wealth, debt management, and estate planning. These meetings are completely at your discretion and we will only share the information that you want to be shared.

After these meetings, family members feel informed, involved, and have an introduction to your financial team. They know who to turn to in the future during an estate transition and you have the peace of mind they understand how to work toward successful financial independence.

Social Security

"A free and secure my Social Security account provides personalized tools for everyone, whether you receive benefits or not. You can use your account to request a replacement Social Security card, check the status of an application, estimate future benefits, or manage the benefits you already receive. All from anywhere!" - Social Security Administration

There are many tools to calculate your benefits, but there are none better than the original source, the Social Security Administration. We encourage everyone to sign up for their own free account for their most accurate estimate. Your estimate plays a large role in creating your personalized plan and will affect factors such as when and how much income needs to be generated from your investments.

Medicare

Enrolling in Medicare can be a daunting task and we are here to help ease the burden! While we provide a Medicare or Medicare Supplement review, we also provide quick links and information that is most relevant to you.


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