Retirement Income Planning for Tampa Bay, Florida

Creating inflation adjusted income streams to last through your entire retirement

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Some people want to work until they die. But, most people want to be in a position where they work because they "want to" not because they "have to." The key to retiring when you want is to keep the money flowing in, even after you stop working. We help people turn their "nest egg" into an income stream during retirement.

Questions and Problems we solve:

How much income will I need to live the retirement lifestyle I want?

One of the first steps in retirement planning is to determine what your lifestyle (and associated expenses) will be like. This baseline income can then be calculated and adjustments for future changes such as inflation can be factored into the retirement income plan. We work to create income plans based on the lifestyles chosen by each client.

Will I outlive my money?

Income is great, assuming it lasts as long as is needed. The main difficulty with creating a retirement income plan that will not result in "running out of money" is that the timeline is unknown. When will the client pass away? We discuss longevity and the pros/cons of creating lifetime guaranteed income.

How do I keep up with inflation?

Inflation can destroy the purchasing power of a future income stream. Therefore, it is important to factor inflation into retirement plans. Future income should increase to at least match the expected rate of inflation.

How do I budget for 20 or 30 years from now?

People are living longer, so it is imperative to consider retirement lasting longer than traditionally expected. By discussing longevity from the outset, an income plan can be designed to last for 35 years versus 15 years. Future increases in costs due to inflation must also be considered.

What happens if I run into a financial emergency?

A retirement income plan is no complete without an emergency fund. It is critical that this emergency fund is built into the plan at the outset and is maintained throughout retirement.

Constant oversight and adjustment

We work closely with retirees to help them stay on the track to optimal retirement so that they are able to live their desired lifestyles during some of the best years of their lives.

retirement income planning clearwater-florida

Custom Retirement Income Report

Our clients are provided a detailed Retirement Compass, which is a customized retirement income report. This Retirement Income Plan illustrates future income from the start of retirement into into the future. The purpose of this Retirement Income Plan is to provide comfort in knowing where and when income will be coming from during retirement. This type of plan is perhaps the most critical part of a successful retirement.

Contact us today for your customized "Retirement Income Report" 727-223-8454 or

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Income is critical to maintaining your quality of life in retirement, make sure you are aware of all the latest options.