Approaching Retirement
Begin Your Retirement with Confidence
Ensure You are Ready to
Take the Retirement Step
As you reach the final stretch of your working years, you may feel a mix of excitement and anxiety. While it means more time to spend on the things you love, it can be overwhelming to contemplate the shift from your earning years to drawing down on your savings and investments. HTG helps you make the right decisions today so your wealth will sustain the lifestyle you envision during retirement. Being prepared gives you a leg up, and working with an advisor (before, during, and after retirement) can help make this transition smoother.
Timing of Retirement
Withdrawal Strategy
Social Security Analysis
Health Insurance Needs
The Guidance and Support You Need to Retire Confidently
Get Organized and Gain Clarity
Nearing retirement can cause one of the most significant shifts in how you think about money, transitioning from working and saving to spending from your portfolio. HTG helps you get organized by collecting pertinent information, assessing your retirement goals, and reviewing decisions that must be addressed before retiring.
With our cumulative years of experience, HTG’s advisors have helped over a hundred clients retire. We draw upon our knowledge and expertise and are a sounding board as you transition into this next chapter.
We help by:
- Organizing pertinent information and accounts
- Identifying priorities and goals
- Being an impartial sounding board
Strategize and Plan
Through our comprehensive financial planning process, we help you understand when you can retire, weighing the tradeoffs of retiring early versus working longer. We’ll also analyze the right time to begin Social Security and other pension benefits. Our planning process helps you answer some of the most challenging retirement questions – do I have enough money to retire? And where is the money going to come from?
Your financial plan allows us to understand your capacity to take investment risk and design an investment strategy that aligns with your needs.
We help by:
- Providing a financial roadmap for your retirement
- Evaluating tradeoffs of different paths
- Aligning an investment strategy with your plan
Execute and Monitor
We guide you through your plan implementation, monitor your progress, and make adjustments as needed, keeping you accountable and on the right path in retirement.
Our commitment to you is ongoing. We stay in touch regularly to incorporate new changes in your life and reevaluate your financial plan as needed.
We help by:
- Implementing your plan
- Monitoring progress
- Keeping you on track
START TODAY!
Get the Guidance and Support You Need to Retire Confidently
Schedule an introductory call to discover how HTG can give you the support you need through your retirement transition.
Success Stories
When to Retire
Paul and Lynn were in their early 60’s and, until then, had been managing their investments. Paul owned his own business and wanted to retire in five years. Lynn was a school principal and wanted to retire as soon as possible. However, she wanted to ensure they could afford for her to do so before making this big decision. Their goal was to maintain their current standard of living in retirement. However, they did not have a clear picture of what they were spending now and had no idea how their...
Balancing Concentration Risk
Daryl, a Ph.D. in biomedical engineering, enjoys picking biotech stocks, a sector he understands well as head of Research & Development. Professional success has generated substantial financial assets, including a 401(k) plan, Roth IRA, and taxable accounts. Daryl was not confident in investing outside of the biotech industry and not familiar with tax-minimizing investment strategies. He reached out to HTG for advice on designing a comprehensive, tax-sensitive investment strategy.
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An integrated planning and investment approach with you at
the center.
