Retirement may mean independence, a time when the nine-to-five is part of your past and as many as 30 to 40 golden years are ahead. Whether they’re enjoyable or quite the opposite is dependent on decisions you make immediately before and after retirement.
- When should you stop working?
- How much can you afford to spend each month?
- How do you balance your current monthly income needs with the need to grow your assets in order to keep pace with inflation?
- What do you do with your retirement plan nest egg?
- If you get a defined benefit pension, how should you elect to receive the distribution?
- When should you begin taking Social Security?
- Do you plan to make changes in your lifestyle, such as downsizing your home or moving to another city?
- How do you manage your cash as you transition from work to retirement?
- How do you replace your employer’s heath insurance plan?
- What are the tax consequences of choices and planning for them?
Retirement doesn’t mean shifting from growth to income, but may mean a move to a more conservative asset allocation. WrapManager clarifies how your income needs will change, further defining how to meet those needs throughout the rest of your life. We help you understand your choices, and protect the money you’ve worked so hard to earn.
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