Retirement Planning

Where will your retirement money come from? If you’re like most people, qualified retirement plans, Social Security, personal savings, and investments all play a role. At Alloy Wealth Management, we’ll help you design a comprehensive plan to help grow, preserve, and protect your hard-earned assets.

At Alloy Wealth Management, retirement planning is one of our areas of experience. In retirement, you will no longer be in the workforce with a regular paycheck coming in. Instead, you will need to find ways to generate lasting income and slowly withdraw money from your retirement savings in a manner which is both tax-advantaged, and won’t cause your nest egg to empty out too soon.

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At Alloy Wealth, we work with pre-retirees and retirees to help you create a lasting income plan as well as a tax-advantaged distribution plan for your assets during retirement. At age 70-1/2, RMDs (Required Minimum Distributions) are mandated by the government, even if you don’t need the money. This surprises some people, and sometimes throws them into a higher tax bracket than they ever anticipated. RMDs have strict rules and carry steep penalties if the rules aren’t followed, and we will help you manage that by doing comprehensive tax planning well in advance.

There are many risks when it comes to retirement. Of course, there is what’s commonly thought of as market risk or “risk tolerance.” This is individualized in terms of the amount of risk an individual is comfortable with. We think of it in terms of “what are you willing to lose?” Keep in mind that in retirement, you may not have the time horizon to wait out a market downturn.

There is also inflation risk, where the cost of goods and services keeps rising and eating away more of your retirement savings. Inflation risk needs to be addressed during the retirement planning process.

Another risk we address in your retirement plan is the potential that you might need long-term or nursing care someday, and ways we can mitigate that risk for your spouse and family members.

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Finally, when it comes to retirement planning, the question of how much money will you need to have accumulated so you can retire is sure to come up. We will help you answer that “retirement number” question by providing you with a custom retirement plan. We will help you plan for steady income, including Social Security, and help make sure it matches your projected inflation-adjusted expenses, including taxes. That is the key to a more successful retirement.

Also, as part of what we do for every client, we will help you with Social Security filing strategies, based on your family’s actual benefits, ages and familial relationships, using our comprehensive software.

When it comes to retirement planning, Alloy Wealth Management has the experience.

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When: This is a two-night master class offered September 19 & September 21 from 6:30pm - 8:00pm each night.

The top reason baby boomers and pre-retirees attend this class is to become informed and learn things that they didn’t know about regarding retirement planning. Many of the retirement planning strategies utilized by our parents have grown outdated and may no longer be the optimal application for those seeking to retire today or in the next few years. This course compares and contrasts the older retirement paradigms versus what exists today. You will learn how to help insulate yourself from the risks of rising taxes, low interest rates, and become aware of and help avoid common retirement planning mistakes.

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Alloy Wealth Management

Charlotte, NC

Contact Information

13840 Ballantyne Corporate Place Suite 115
Charlotte, NC 28277

Mon-Fri: 9:00 AM – 5:00 PM

Toll-Free: (800) 689-3935 | Fax: (877) 496-9797

erica@alloywealth.com

Investment Advisory Services offered through Retirement Wealth Advisors, (RWA) a Registered Investment Advisor. Alloy Wealth Management and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

The information we provide regarding tax minimization planning is not intended to, and cannot, be used by anyone to avoid paying federal, state, or local municipalities, taxes, or penalties. You should seek advice based on your particular circumstances from an independent tax advisor as tax laws are subject to interpretation, legislative change, and unique to every specific taxpayer’s particular set of facts and circumstances.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors.