Retirement Benefits Analysis

Retirees have traditionally relied on three pillars to support their retirement income and financial security needs: Social Security, personal savings and retirement plan and/or pension benefits. These provided foundational retirement security and were relatively simple to understand and manage.

Retirement plan benefits have evolved over time and today’s retiree’s face different, and often far more complex, decisions surrounding their retirement. Today’s retiree may need to coordinate benefits from a defined benefit pension, a tax-deferred 401k or 403b plan, a deferred compensation arrangement, a supplemental retirement plan, an individual retirement account (IRA), and after-tax or tax free savings vehicles, to name just a few.

Not an expert on annuity distribution options, stretch IRAs, non-qualified supplemental pensions and Roth IRA conversions? Proper planning and effective partnership will help empower you to make smart decisions about your benefits.