Financial Planning and Retirement Planning

Realistic financial planning

A big part of success in retirement is peace of mind.  One thing that helps people achieve that is financial planning.  However, it needs to be realistic financial planning.  Just plugging your age, income, and assets into a computer model can be dangerously vague.

To help you be sure, we offer very specific financial planning and retirement planning.

Personalized Retirement Planning

We’ll work with you to put together personalized, realistic projections of what your finances will be like in retirement.  That includes reviewing assets, income, expected social security benefits, taxes, and rates of return.    We will also stress-test your plan to ensure you’ll be okay facing a variety of common obstacles and events.

This analysis will answer these questions for you:

  • Will I have enough to retire on?
  • What will be my monthly spending budget in retirement?
  • Will I run out of money if I live longer than expected?

Combined with our Active Investment Management, we’ll help you feel confident in retirement.

Social Security Analysis

Many people simply file for social security without thinking about it, potentially leaving thousands of dollars on the table.  We’ll help you determine your options and find the best strategies for claiming benefits.

Tax Review

It’s not what you make, it’s what you keep.  We’ll conduct periodic tax reviews to look for opportunities to save you money and keep more of what you earn.

Retirement Account Analysis and Oversight

In addition to the money you have with us, we’ll also help you with your retirement accounts.  That may include your 401(k), 403(b), 457 or other similar accounts.  We’ll review your options and help you determine the best allocation.  Then we’ll help oversee it and recommend changes when action is needed.

Concierge-Style Financial Support Included

Part of our goal is to help you avoid mistakes that can harm your future in retirement.  So we’re here to act as a sounding board and second opinion. Whether you need help with decisions related to refinancing or home purchase, car purchase or lease, or anything else, we’re available.  Our goal is to provide you objective advice based on your financial situation, so you make the best decision possible.

All Provided by a Fee-Only Fiduciary

When you work with Heritage Capital, you’re getting service from a fiduciary. That means that we’re legally obligated to put your interest first.

  • So you’re not getting product recommendations.
  • You’re not getting recommendations that help us more than they help you.
  • Instead, you’re just getting sound advice that’s in your best interest.

We’ll work with you to put together personalized, realistic projections of what your social security and finances will be like in retirement.

Social Security Explained

Social Security can be complex.
Avoid making these common mistakes explained by the Heritage Capital team.