Building a Better Retirement Plan

Retirement is one of the most exciting times of your life. It’s when you get the opportunity to quit doing what you have to do and start doing what you want to do. Unfortunately, however, it’s not quite as simple as just refusing to go back to work on Monday. It takes a comprehensive plan, both to protect what you’ve worked so hard to build and to turn it into income for the lifestyle you want and deserve. We approach your retirement holistically, accounting for not just your assets but also your goals and potential risks you face. Then, we work to mitigate those risks while also implementing a plan to preserve your funds throughout the duration of your retirement.

Risk Mitigation There are so many risks in retirement, making it difficult to plan for what should be an exciting few decades. For example, longevity risk is the potential of outliving your money, meaning you’d be forced to be financially dependent, or worse if you can’t find someone to provide for you. Then, even once you’ve accounted for longevity risk, you open yourself up to market risk, sequence of returns risk, inflation risk, tax risk, health risk and more. We can help you find solutions that work to mitigate each of these risks while still giving you the potential to secure the growth and income you need for your retirement. Let’s explore your options and create a custom plan.

So often, we find that our clients think they have so much more than they actually have when entering retirement. Unfortunately, that’s because they haven’t accounted for taxes, whether that be in tax-deferred accounts, long-term gains, or other saving and investing vehicles. At Pathlight Advisers, we focus on bringing you a tax-free retirement. And yes, oftentimes the first question we get when we say that is, “Is that even possible?” Modern solutions have made it possible, but it’s not right for everyone. We can help you explore those options and determine if they match your circumstances and goals. Then, if they do, we’ll help you build a custom plan.

We believe that your assets are the greatest tool you have in retirement, and our mission is to help you leverage them to give you the greatest chance of bringing your dreams to life. We offer a variety of insurance options, including permanent life insurance, annuity solutions, long-term care coverage and more to help you preserve those assets without forcing you to sacrifice growth. Our professional connections give us access to almost every option on the market, and our independence gives us the freedom to explore those options and find the one that matches your goals, circumstances, projected expenses and most pressing risks.