Create a paycheck for retirement.
Navigating retirement income planning includes a number of distinct challenges today:
- Traditional pensions are becoming a thing of the past, often unavailable or underfunded.
- Your income sources need to be designed in a way to provide income for the duration of retirement, while still growing some assets to offset inflation for the future years.
- Market risk can have a significant impact on your assets’ longevity, particularly if you’re withdrawing from them to cover living expenses in retirement.
- The order you withdraw funds from your saving ans how you roll over retirement accounts can have a significant impact on the taxes you pay over time.
Build an iPension
Valor can help you create your own “Individual Pension” for retirement income to generate a paycheck for your retirement. Our iPension process works to align your savings and investments for retirement with anticipated income sources to create a structured and predictable lifetime income stream:
Identify Assests
Identifies your available income sources for retirement:
- Social Security
- Employer Plans such as 401k or 403b
- IRA/Roth IRA
- Investments including interest and dividends
- Savings
- Annuities
Minimize Taxes
Assess if those sources are held in the appropriate accounts to minimize taxes and risk, and if not, we provide a recommended plan for how to restructure.
Maximize Income
Creates an iPension income withdrawal plan to maximize your income, preserve your assets and minimize taxes throughout retirement and future generations.
When you stop working, and the paycheck no longer arrive regulary, how will you replace them? Contact us today to discuss how to keep the cash flowing in retirement—regardless of how financial markets perform or how long retirement lasts.