Retirement planning

Given the uncertain future of social security and the fact that people are living longer with each new generation, retirement planning has taken on new importance for most of us. We are well past the out dated plan of retiring at age 65, converting our portfolios to bonds and living happily ever after. The possibility of outliving our assets has become a real concern for most people.

Retirement planning has become a specialized process that involves not just making a lot of assumptions (e.g. How long will I live? What will inflation look like over the next 20, 30, 40 years or more? How much money will I need to live on? How much will my investment portfolio earn in the next 20, 30, 40 years or more?), but monitoring and adjusting to the changes that take place over time in order to match our plans with the reality in which we live. It's an ongoing process that is affected by virtually every major decision that we make during our lives.

The Stahlschmidt Financial Group has dedicated, experienced professional planners who are knowledgeable about the many types of qualified Retirement Plans available to both business and individuals (e.g. Profit Sharing, 401(k)s) as well as Individual Retirement Accounts (e.g. Roth and Traditional) and Non-Qualified Plans. They use the latest software programs available to analyze your needs, goals and resources to provide a dynamic Retirement Plan that will adjust to meet your needs throughout your retirement years.