Retirement Planning

Retirement planning is never the same for any one client. There are too many moving parts and variables to make this type of planning a “cookie cutter” or “one size fits all” financial experience. Our goal in any retirement plan is to make sure that, no matter what happens with the markets or in your personal world, there is enough money to support you and your family for the rest of your life.

Investment Management

Most clients come to us having been really good savers, and that’s a great quality to have. Over the years, many of our new clients have amassed 2-10+ different accounts through years of work and monetary discipline. But many have lost track of what is invested in these accounts and why, and that can be a dangerous mix as you head towards the end of your prime working years. At Capitol Retirement Strategies, investment management means coordinating and adjusting these investments to create a sound and purposeful retirement strategy.

Income Planning

Retirement income planning needs to be done well before you actually retire. When do you take Social Security? Do you have a pension? Do you need to create income out of investment accounts? These are just some of the questions we need to answer as we address and create your retirement income plan. (Retirement Withdrawals Video)

401k and TSP Rollovers

When people leave their job or retire, the natural inclination is to leave their 401k (or Thrift Savings Plan for federal employees) in place. It is important to note that whenever you leave a company, you have the option anytime afterwards to rollover your 401k or TSP into a self directed IRA. These are usually your largest holdings, and we feel that professional advice on how to invest this money is critical, especially for those clients who are relying on only their 401k and Social Security to support them throughout retirement.

Long Term Care Insurance

Seven out of every ten Americans who live past the age of 65 will need some form of Long Term Care before they die. Long Term Care insurance helps pay for the cost of home care, assisted living and skilled nursing care. The average annual cost of these services currently range from $70,000 to 120,000, and are projected to double within twenty years! Long Term Care expenses are the kryptonite to even the best designed retirement plans, and should be addressed with Long Term Care insurance to protect your assets.   (Long Term Care Video)

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