RETIREMENT PLANNING

We are living longer, and many of us are surprised to find out just how much needs to be saved for retirement. With the Social Security System’s future a constant news focus, it is very important for us to protect our future well being by planning for retirement. Most aren’t doing nearly enough. The professionals at Gartenhaus Financial can help you get started with your retirement plans or modify your current program, helping you maintain a sense of security. We will aid you with a lifetime income strategy, securing an investment portfolio, and make sure your general planning goals are met.

Retirement Income Strategies

Every generation facing the retirement planning process should have a disciplined savings program in place. Periodic or haphazard saving can be counterproductive. To further compound worries, many employees today do not have employer-sponsored pension or other formal retirement plans available to them. It is becoming more common for employees to be fully responsible for funding their own retirement through defined contribution plans such as 401(k)s. Many investors—without a guaranteed pension and unaware of alternatives—are left uncertain and worried about how to amass and invest their earnings to ensure a comfortable retirement.

According to a 2010 AARP survey of baby boomers, 31% say their personal finances are in worse condition than they previously expected and more than 26% cited money as the biggest obstacle to achieving their dreams over the next five years. 40% of respondents indicated that they will work as long as they can, either to shore up their nest egg, or because they can’t imagine life without work.

With the help of the Gartenhaus Financial team, you do not have to be uncertain about your retirement future. Under our guidance, you will be able to analyze the main issues regarding your retirement saving strategies:

Potential income sources (e.g., annuities, income-producing real estate, inheritances, etc.)
Costs of future health care needs
Annual return from savings
Projected balances of retirement plans
Annualized rate of inflation over retirement years
Amount of Social Security income to be received
Percentage of present income required during retirement years
Projected length of retirement period or life expectancy

The only way to experience a successful and carefree retirement is to know that you cannot outlive and thus deplete your retirement nest egg. Our team is focused on unique ways to grow your money during your pre-retirement years.

Contact us for more information on how we can help secure your tomorrow today.

Structuring Investment Portfolios

Structuring an investment portfolio for your financial future can be a daunting and confusing task. But with the right help, your retirement can be spent enjoying your accomplishments instead of pouring over stock quotes and paperwork.

Your individual needs—financial or otherwise—cannot be mapped out and plotted to be exactly like another’s. So why should your investment portfolio be any different? At Gartenhaus Financial, we have learned to think outside of the box, doing away with generalized investment formulas and programs that serve to oversimplify a dynamic investment landscape. Instead, we tailor your portfolio according to your needs and your goals. Throughout the course of your portfolio’s management, we will adjust your custom investment strategy in order to adapt to your situation in relation to market fluctuations—attempting to mitigate losses during down periods while maximizing your returns in market upswings. The success of your retirement portfolio is a long-term endeavor, and we are here to see it through with you.

Personal Retirement Planning

By constructing a retirement needs analysis that is uniquely tailored to your financial situation, the professionals at Gartenhaus Financial help you determine whether you are saving enough for your retirement. Based on your future needs, we will advise you on the proper amount to save today in order to secure your future. We will also teach you how to get the most out of your company-sponsored retirement plan. If you are not covered by a plan, we can advise you on other attractive options that are available to you, such as SIMPLE IRAs, SEPs, and traditional IRAs meant for varying income levels.

When it is time to—either due of a job change or the beginning of your retirement, we will assist in an easy and seamless rollover of your former retirement assets to a personal IRA. By finding the most lucrative means to withdraw the funds from any of your retirement plans—including your 401(k), profit sharing, 403(b), IRA, and 457s—we will make sure the assets you have so responsibly set aside become yours to enjoy.

To round out our personal retirement planning services, we also offer counseling on supplemental retirement investment options.