The primary issue in today's financial industry is that advisors frequently prioritize product-centric solutions while neglecting essential aspects of your financial and overall wellbeing, which can be detrimental to retirees like you.

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At Fitzgerald Retirement Strategies, we follow a comprehensive six-step process to provide each of our clients with a tailored retirement.

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6 CRITICAL COMPONENTS FOR A SUCCESSFUL RETIREMENT

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INCOME PLANNING

Will Your Retirement Income Last?

 

​The lifeblood of retirement is income. Will you have enough? Will it last as long as you do—or as long as your spouse lives? These are the top concerns we help address every day. We will help you:

• Maximize Social Security Options: identifying which retirement claiming strategy makes the most sense for you and your family.

• Optimize Pension Selections: navigating your choices from lump sum payouts to survivorship options.

• Create a Written Income Plan: Through our customized Bucket Plan strategy, we help you segment your money into three clear categories: Now, Soon, and Later. This approach is designed to provide reliable income today, stability in the near future, and growth for the later years of retirement—so you can enjoy peace of mind at every stage.

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GROWTH PLANNING

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​With retirement today often spanning multiple decades, including long-term growth opportunities is essential. Through asset allocation and diversification, this growth will help hedge against inflation, long-term care costs and provide for a surviving spouse or loved ones in future generations.

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TAX PLANNING

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It’s not just about what you make, but what you keep. With most retirement savings having an unpaid tax bill that becomes due upon distribution, taxes are often the greatest single expense for most Americans today—even during retirement. Our goal is to help you be efficient to pay as little in taxes as possible. This may include:

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• Planning for required minimum distributions (RMDs): determining what these distributions will look like every year, which accounts they will come from and how they will impact your overall taxable income throughout retirement.

• Roth conversion strategies: evaluating your current and future expected tax liabilities to help minimize the total tax impact on your retirement accounts.

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EXTENDED CARE PLANNING

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What are you doing to protect your greatest asset of all—your health? Another significant expense and concern in retirement is healthcare. We will help you explore your options to establish the coverage protection you may need, including:

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• Health insurance

• Medicare supplements

• Long-term care coverage

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ESTATE PLANNING

From creating an income plan for your surviving spouse to partnering with attorneys as needed to create essential documents to implement your intentions in the event of your death or disability, your plan may include updating:

• Wills

• Power of Attorneys

• Other legal documents

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NON-FINANCIAL PLANNING

It’s not just money that will make for a satisfying retirement; it’s how the money is used that ultimately determines your retirement success. Once you stop being an employee, who will you be? What relationships and experiences give you the most purpose and fulfillment? We will guide you through these critical conversations to determine what matters most to you, and then create a plan to help you achieve it.

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