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Transitioning your income in today’s economy is a challenging and personal process

Planning for the transition into retirement can be complicated, time consuming and emotionally draining. This is why you the guidance of a financial advisor who specializes in retirement is so important – someone with to help you take a calm, calculated look at what it takes to build a comprehensive plan for retirement and professionally manage its implementation and ongoing support.

New risks lie ahead – be prepared to manage them

Properly managing these new risks is crucial to your quality of life over the next 20 to 30 years. Our job is to identify them, determine how they may affect you and your unique situation and provide you with strategies with which to deal with them effectively.

Establishing your priorities

Drawing a clear picture of what may lie ahead can help you establish your priorities. Because your retirement will be unique to your circumstances, no simple calculator or rule of thumb can give an accurate vision of your future. That is why a planning process tailored to your needs is critical.

Understanding needs and wants in order to set your goals

In the early days of retirement, expenses may rise as you make the transition and take advantage of your new freedom and the opportunity to do new things. After that, expenses may decline or flatten as your pace begins to slow – only to rise again later as healthcare costs become increasingly relevant.

Putting your plan in place

As you put your retirement plan in place, work with your advisor to consider the variables you can control, those that you can influence – and those that you cannot control, but still must acknowledge.



Fee based advisory services processed through and supervised by Liberty Partners Capital Management, LLC (LPCM) – a SEC registered investment advisory firm.

Broadridge Investor Communication Solutions, Inc. does not provide investment, tax, or legal advice. The information presented here is not specific to any individual's personal circumstances.

To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

Note that any assessment presented here considers several relevant factors but many not consider all factors that are relevant to your particular needs. This information does not suggest future results nor is it intended to suggest what is prudent and appropriate for you. You should not make assumptions about the future performance of your investments based upon this information.

This communication is strictly intended for individuals residing in the state(s) of CA, ID, MD, TX and VA. No offers may be made or accepted from any resident outside the specific states referenced.

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