Individual Retirement Services - SVA Plumb

INDIVIDUAL RETIREMENT SERVICES


Retiement Planning for Individuals

RETIREMENT PLANNING FOR INDIVIDUALS

The right time to start planning for your retirement is now.

The idea of retirement carries different meanings for people depending on where they are in their lives. To some, retirement is an abstract concept and it’s too far down the road. For others, it’s a growing concern as it creeps closer. They are filled with the uncertainty of how they will fund their retirement that’s looming right around the corner.

At SVA Plumb Financial, we believe it is never too early or too late to begin planning for your retirement. Few retirees can rely on company pension plans to fully fund retirement. The solvency of social security is becoming a concern; many are left to fund a majority of their retirement needs with their own savings.

The goal for many of our clients is to do what they want to do, when they want to do it and to have the funds to do so. That may not be your exact vision for retirement, but the point is you need to have a vision to work toward making retirement “your own.”

Carefully consider what may play into creating your vision. Do you foresee: Healthcare issues? Spending more time and money on travel/leisure activities? Selling a business or passing it onto your next generation? Adding a vacation home? Taking care of family members on either side of the age spectrum? Volunteering or giving to charities?



Our expert team.

 

INDIVIDUAL RETIREMENT ACCOUNTS (IRA)

It’s your money, your choice - we’ll help you discover your IRA options.

Individual Retirement Accounts, or IRAs, come in many different forms.

For individuals looking to supplement their company retirement plan savings, a Traditional or Roth IRA may be appropriate to enhance their nest egg. For self-employed individuals or small business owners, a SEP IRA or SIMPLE IRA plan may be appropriate.

In retirement, you may want to consolidate your company retirement plans into a Rollover IRA. SVA Plumb Financial has the capability to open and manage all types of IRAs on your behalf. We work with you to identify and fund the type of IRA most appropriate for your situation.

When the time comes and you are required to take distributions from your IRA, together we’ll plan for the most appropriate method to take your Required Minimum Distributions (RMDs). We also help with the calculation and tax issues involved with other IRA distributions you decide to take along the way.

TAX & INVESTMENT CALCULATORS

Utilize our calculators to help you determine some of your financial goals and objectives.

DETERMINE FINANCIAL GOALS & OBJECTIVES

financial goals and objectives
 
 

INTERACTIVE ASSET MANAGEMENT

Monitor your portfolio utilizing an easy to use interface exclusive to SVA Plumb Financial clients.

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Interactive Asset Management
 
 

RETIREMENT FUNDING STRATEGIES

The right time to start planning for retirement is now.

One of the questions we frequently hear is: "When is the right time to begin planning for retirement?" Although preparing for retirement at an early age has many benefits, at SVA Plumb Financial, we can assist you in reaching your retirement financial goals at any stage of your life.

We work with our clients to get a solid understanding of their current financial situation and create well-defined financial goals and time horizons. With this solid foundation, we help you make informed decisions about your financial future. We believe it is never too early or too late to begin planning for retirement. Few retirees can rely on company pension plans to fully fund retirement. The solvency of social security is becoming a concern and many are left to fund a majority of their retirement needs with their own savings.

Our professionals collaborate with you on finding ways to maximize your retirement savings and also find ways to create income strategies during retirement.

 

RETIREMENT CASH FLOW PLANNING

Generating cash flow from your retirement portfolio.

When you are ready to begin funding retirement, SVA Plumb Financial will help determine how much to withdraw from your portfolio to fund your lifestyle. We’ll optimize your portfolio by recommending the accounts to draw from first to avoid paying any penalties and unnecessary taxes.

We have the capability to calculate how much you are able to withdraw safely to avoid depleting your assets before your anticipated life expectancy. We also conduct an analysis of how various rates of return affect your portfolio and subsequent withdrawal strategies. This provides you with the peace of mind necessary to enjoy your retirement years.

Financial Checklist Resource

Use our checklist to see how your current situation rates in key financial areas.

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Checklist

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