Retirement Planning

Creating a retirement plan begins with determining your long-term financial goals, risk tolerance, and then starting to take action to reach those goals. The process can begin any time during your working years, but the earlier the better.
The process of creating a retirement plan includes identifying your income sources, adding up your expenses, putting a savings plan into effect, and managing your assets. By estimating your future cash flows, you can judge whether your retirement income goal is realistic.
We help you determine your FIRE number and educate the options available for safeguarding your Nest Egg and guaranteed retirement paycheck.

Start Planning Today

The sooner you begin planning for retirement, the more secure your future will be. At Nest4Future, we are here to guide you every step of the way. Your retirement is worth planning for - let’s make it happen together!

Frequently Asked Questions

What are the common retirement risks?

Retirement comes with several risks that can threaten financial security. Below is an overview of common retirement risks. Planning ahead can mitigate most of these risks.

Longevity Risk: Outliving your savings due to longer-than-expected life expectancy.
Inflation Risk: Rising costs erode the purchasing power of retirement income.
Healthcare Costs: Unexpected medical expenses can deplete savings.
Market Volatility: Significant investment losses during retirement can reduce available funds.
Taxation Risk: With taxes expected to go up, and over-reliance on tax-deferred accounts leaves you vulnerable to tax rate changes.

Are retirement account withdrawals taxed?

Withdrawals from traditional 401(k)s and IRAs are taxed as ordinary income. Roth accounts provide tax-free withdrawals.

How can I minimize taxes in retirement?

Diversify between tax-deferred, tax-free, and taxable accounts.

Use strategies like Roth conversions and LIRPs.