A Process you can trust.
Astute Retirement’s Mission:
- Get to know you, your unique financial needs, and your concerns.
- Educate you, your spouse, and your children on your financial and retirement options.
- Devote the time necessary so that you understand and are comfortable with all financial decisions.
- Act in a fiduciarily responsible manner so that you receive the best possible advice.
- Review your financial situation periodically after implementation to make sure plans are still optimal.
- Reduce risk. Minimize the possibility of losing money and enable the soundest retirement.
Our process will address these important questions:
- Medicare choices: Original Medicare or a Medicare Advantage plan? There are advantages and disadvantages to both.
- Social Security: When should I take it? Can be between 62 and 70.
- Guaranteed Income versus expenses. Do I need an additional guaranteed income?
- Market investments: should stock exposure be increased or decreased?
- Life Insurance: should life coverage be increased, stay the same or decreased. Cash value (permanent) or term?
Here’s what to expect:
Meeting One: We learn about you
We gather your information on income, expenses, and projected retirement date.
Meeting Two: Education on retirement options.
We review your employment retirement elections to maximize your employment, Social Security, and Medicare benefits.
Meeting Three: Initial Implementation
We implement, as needed, decisions on required Social Security, Pension, Insurance, and Medicare benefit elections.
Meeting Four: Detailed review of long-term investment goals
We discuss income gap and, if one exists, present income and investment options to fill the gap.
Meeting Five
We focus on your longer-term goals and intentions – travel, real estate, money for survivors, charity, tax reduction.
Meeting six and beyond
We further explore, educate, review, and implement discretionary investment options.
If you decide to retain us for long term investment advisory, we will meet formally twice a year to review performance and update strategies. We are always available for questions by email or phone.
We would be honored to work with you.
Call us at 415 505 4034 to schedule your appointment today!
