Broker Check

Retirement Planning

How do you make the money you've worked so hard for last at least as long as you do?

Our clients are hardworking, successful people who are serious about their money.  Most have worked for a long time to get to a point in their lives where they have the option to retire.  At Brenton Private Wealth Advisors we understand that making the transition into retirement can be complicated and maybe even a bit stressful.  We also understand that managing money to meet your long-term income needs is a totally different exercise than investing for wealth accumulation.

Over the years we have found that effective planning can reduce stress, preserve wealth and reduce taxes.  With this in mind, we created a Simple. Elegant. Powerful. retirement planning solution that we call "S.M.I.L.E."  This proprietary, 5 step process is designed to help investors who are within 10 years of retiring or who are already retired address all of the major planning and investment management issues they will face in retirement.

Social Security Planning 

  • When should you and/or your spouse start taking Social Security?

Medicare Planning 

  • How will you pay for the rising cost of medical care once you’re retired?
  • What role will your employer play in paying for medical care in retirement?
  • Should you buy a Medicare Advantage plan or choose traditional Medicare?

Income Planning 

  • What should you do with your company 401k and/or pension when you retire?
  • What mix of investments should you own?
  • What accounts should you draw from and when?
  • How much money can you safely take from your portfolio each year?
  • How do you mitigate the taxes owed on your IRAs and other accounts?
  • Should you buy an annuity?
  • How do you combat inflation and make your money last over a retirement that might stretch 20 to 30 years or more?

Long-Term Care Planning

  • Who will take care of you should you require long-term care?
  • How will you pay for long-term care should the need arise?
  • Do you need long-term care insurance?

Estate Planning & Wealth Transfer

  • What would you like to see happen to your money when you’re gone?
  • Do you need an Estate Plan, a Wealth Transfer Plan - or - both?
  • How do you reduce the burden of taxation on your estate?
  • Should you establish a trust?
  • Do you know if you have an estate tax problem, an inheritance tax problem or BOTH?
  • Do you need life insurance?
  • How do you mitigate the tax burden on the IRAs you wish to leave your loved ones?

At Brenton Private Wealth Advisors we know that there are many questions that come into play in retirement that most investors never need consider while working.  Our S.M.I.L.E. planning process provides our clients with a Simple. Elegant. Powerful. retirement planning solution that allows them to live the retirement they’ve dreamed.  To learn more or to schedule a complimentary review of your retirement plan and investment portfolio please contact us today.