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Retirement Income Planning
Investors work and save their entire lives with the hopes of a safe and secure retirement. However, the transition from saving for retirement to income distribution during retirement is a topic that most investors may be unfamiliar with.
At Michael J. Lucia & Associates we assist clients in the creation of a retirement income plan that can help them generate inflation-adjusted income for life while reducing market risk.
Components of a Retirement Income Plan
- Retirement Income Goals & Projections
Upon reviewing each client's income goals, Michael J. Lucia & Associates provides advice regarding the range of retirement income the client's portfolio should be able to sustain.
- Retirement Income Tax Management
Minimizing taxes during retirement may have a significant impact on a retiree's spending power. We help clients understand which accounts to take distributions from first, when to consider larger distributions or investment re-characterizations, and strategies for balancing portfolio income with other income sources.
- Fixed Income Investment Strategies
The list of fixed income investment options may be daunting — Bonds, CDs, Fixed Annuities, Immediate Annuities, Money Market Accounts, Structured Notes, Ginnie Maes, Municipal Bonds, Target Income Funds...to name just a few. We help clients understand which investment options may most effectively provide them with an inflation-adjusted retirement income stream.
- Growth Investment Strategies
Retirement is still a time when many investors need to maintain an exposure to growth investments in order to provide potential long-term growth that keeps pace with inflation. At Michael J. Lucia & Associates we help clients determine which growth investments are most appropriate for their retirement income goals.
Click here for a complimentary consultation to see how we can help you plan for your financial future.