Untitled design (41).png

BUILDING RESILIENT RETIREMENTS

That last a lifetime.

 
CCP_6449 (2).jpg

RETIREMENT IS BUILT ON INCOME

With all the complicated jargon, talking heads, and stacks of fees for useless products, you might feel like there's a lot going against you as a conservative investor.


Worried about retiring early?

Not sure how much you will be taxed on your retirement income?

Did you buy one of those tricky indexed annuities and not sure if you need it?

Maybe you're just interested in getting a second opinion about how your advisor is approaching your retirement needs?

 

THE NUMBERS DON'T LIE, IT'S TIME TO DO RETIREMENT PLANNING DIFFERENTLY

Client 8

49% OF WOMEN FEAR ENDING UP BROKE AND HOMELESS.

When a typical couple experiences a death of one of the two spouses, it’s usually the man by about 5 years.  When that happens, hopefully life insurance is in place that will provide you with a tax-free death benefit that will help you meet your income needs and allow you to maintain the same lifestyle that you have worked your whole life to achieve.  If there is not enough life insurance in place or no life insurance in place, it makes any missteps in managing your retirement nest egg that much more important.  You will need to come up with solutions that address the fact that you will be down to one Social Security check.  The good news is that you get to keep the higher of the two checks.  The bad news is that the lower of the two checks will go away. Something else that needs to be considered is that the lower tax bracket you enjoyed by being married, filing your taxes jointly, is not going to be the case anymore.  You may have to pay more taxes because you are now single.

Client 2

 25% OF PEOPLE BELIEVE THEY NEED AT LEAST $1,000,000 TO RETIRE.

Do you think you need over $1,000,000 to retire on? Is this number higher for you or lower? You actually don't need a million dollars to retire, and your retirement is really based on the amount of income your portfolio gives you, not returns. So, do you know how much income your Retirement Savings will bring you?

Client 3

81% OF THOSE AGE 72 OR OLDER AND 58% OF BOOMERS (AGES 53-71) DO, IN FACT, HAVE ESTATE-PLANNING DOCUMENTS.

We find this to be true at each estate planning workshop. Most of our prospective clients know they should take care of this, but put it off. Isn't it better to leave a legacy rather than a burden? Especially when taxes on estates could be 30%. Our digital estate planning process gives you clarity around what trust will protect you no matter what life changes are ahead.

 

RESILIENT AND RELIANT

At Paradigm Legacy Planners we use a four-step process to help you take advantage of our 20 years combined experience in building the most resilient retirement plan possible.

Happy Couple

RETIREMENT INCOME PLANNING

You wouldn't start a business without a business plan, right? Then you definitely need a written retirement income plan to know exactly how much money is coming to your checking account each year after you celebrate your last working day. We help you maximize your social security income, plan for RMD's, and asset allocation dedicated to lifetime income.

Men with Calculator

PRECISION FOCUSED INVESTMENT STRATEGY

Your mindset in retirement shifts, no longer will you want to manage your money and keep up with the latest trends. Our money managers use proven and time tested strategies to preserve your legacy and make it last. Whether it's using our Focused Growth or Focused Tactical, we can customize a portfolio to your retirement needs.

Analysing the Numbers

TAX PLANNING

Your income in retirement is only as good as your tax strategy. A good tax strategy is looking forward, 10 and 20 years into the future. We help you pay fewer taxes for the long term so you don't hit a surprise tax bill from the IRS. We don't like surprises. Unless it's free money.

 
 
No upcoming events at the moment
 
Financial District

How do you pass on the management of your real estate?

How do you step down as a landlord, without giving up the many benefits of income property ownership? Download our guide to an alternative path to real estate investing.