Retirement Planning Services

Locate a Certified Retirement Financial Advisor in Your Area

The following are the planning services you want if you are approaching retirement or are already retired. Click on the paragraph heading for details.

Health Insurance

Do you join the HMO, get a medigap policy, or opt for the PPO? What do all of these terms even mean?
If you are not covered by a plan from your employer, health coverage is your number one priority. If you are an early retiree and don't yet qualify for Medicare, see our section on early retirement.

Long-Term Care Insurance

If you get hurt or cannot take care of yourself, medical insurance won't cover items that are not medical (going food shopping, cleaning the house, paying bills, etc). For this, you must have a plan for long term care. It can either be by getting insurance or using one of the other methods to protect yourself. But do not ignore this or put this plan off.

Retirement Income

Get your income set up first by calculation what you need to live comfortably and making income investments to supplement social security, pension or other fixed income. Once you have your income stream set, then you can tend to the allocation of your other investments

Growth Investing

Growth investing is essential to a comfortable long term retirement. This is completely detailed in our growth investing section—just click on the paragraph title

Tax Minimization

Have a qualified tax counselor (usually not a CPA because they don't understand enough bout financial engineering) give you advice on paying less income tax. A good person would be a CPA who also holds a CRFA™ or CFP® credential.

Estate Planning