Long before retirement even hits our radar, we’re usually consumed with planning what type of education, skills training and professional designations will forward our progress. Or as business owners, we’re often focused on growth, many times at the expense of our personal financial picture.
Holland Capital Management in Sebastian, FL
The first thing to consider when looking to find a financial advisor in Sebastian, FL: who are the team members? That’s critical since your financial well-being requires a lot more than just portfolio management. Along with attention to investments, you will likely need other services.
Why Do You Need Retirement Planning in Sebastian, FL
Everything we do – from choosing and building a career to investing in our business – is presumably so we and our families can have a better life. But if we fail to plan for “life after work”, all of the plans and effort we put into our working lives could be jeopardized.
There are many questions you should ask yourself early, like how you want to spend your time after you retire or sell your business.
On the financial side, there’s a big shift required. You’ve spent a lifetime focused on the accumulation of assets using risk and hard work. In retirement, it takes a different skill set. You’ll be focused on using assets in the most efficient way possible you can preserve what you’ve built.
What Can Our Sebastian Financial Advisors Do For You?
Financial planning and retirement planning from a CERTIFIED FINANCIAL PLANNER™
An investment management process designed to generate higher after-tax, risk-adjusted returns
Trust advisory, coordinated directly with your existing CPA and private legal counsel (or our vetted recommendations), to help you maximize tax, estate planning and asset protection opportunities
Life insurance, both for protection and advanced financial planning strategies
Flexible lending options so you can tap your wealth when needed without hassles
How We Help With Retirement Planning in Sebastian FL?
Our Retirement Planning in Sebastian FL service takes a long-term view of your financial well-being. We use a life-cycle approach to ensure your “life after work” is as well-planned as your life prior to retirement.
Here’s what we do for you as part of our Retirement Planning in Sebastian FL:
Your personalized retirement planning strategy: Our work centers around four pillars: Helping you plan to achieve your financial goals prior to retirement; Planning to ensure you will have sufficient income in retirement to live your desired lifestyle; Putting plans in place to minimize your taxes and safeguard your assets from known and unknown risks; Planning for your legacy, so you can pass on wealth tax-efficiently.- Analyze a point-in-time snapshot: Retirement means something different to everyone. We’ll ask you a lot of questions so we can help you get clarity on specific goals.
- Analyzing where you are: To plan a meaningful retirement, you need to know where you currently stand. We’ll help you build an in-depth financial inventory to use as part of our process of retirement planning in Sebastian FL.
- Developing the plan: Pondering your retirement brings up a lot of questions. Well, we’ll work with you to create a retirement plan that addresses every one of them. When we’re done, you’ll not only know what you need (income) to fund your retirement lifestyle, and what your investments will generate; but you’ll also know how to bridge the shortfall – if any.
- Helping you make the most of Social Security: While not a large source of income, this tax-advantaged, inflation-adjusted revenue stream can be pivotal when used as part of a comprehensive plan. You’ve earned it, we’ll help you make the most of it and any other benefits you’re entitled to.
- Implementing the plan: As you move closer to retirement, we’ll work with you to ensure the plans are implemented properly. The goal of our Retirement Planning in Sebastian is to make transitioning into retirement as seamless and stress-free as possible.
- Looking out for you in retirement and beyond: We’ll also help you with other priorities that may be in focus in this phase of your life, such as health care planning, insurance, charitable giving and legacy planning.
- Ongoing reviews: We’ll continue to monitor and review your retirement plan and consult with you frequently about any changes or updates needed to address your retirement lifestyle needs.
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Location
Sebastian, FL - Hours
Monday - 9am-5pm
Tuesday - 9am-5pm
Wednesday - 9am-5pm
Thursday - 9am-5pm
Friday - 9am-5pm - Phone/Fax
P | 877-733-9435
F | (980) 500-1531 - Email Us
chad@hollandcapitalgroup.com
Frequently Asked Questions
+ How early should I start planning for retirement?
It’s best to start planning as early as possible. The earlier you begin, the more time your investments must grow, and the better prepared you will be to handle any unexpected financial challenges.
+ How do you personalize a retirement plan?
We take a personalized approach by understanding your unique goals, analyzing your current financial situation, and developing a comprehensive plan. This includes strategies for income generation, tax minimization, risk management, and legacy planning. Contact for bespoke retirement planning in Sebastian FL.
+ What are the four pillars of your retirement planning strategy?
Our strategy focuses on helping you achieve financial goals before retirement, ensuring sufficient income during retirement, minimizing taxes, safeguarding assets, and planning for your legacy.
+ How do you help maximize my Social Security benefits?
We provide guidance on how to claim Social Security benefits in a way that maximizes your income. This includes considering the timing of your claims and coordinating with other retirement income sources.
+ Can you help me plan for health care costs in retirement?
Yes, we assist in planning for health care costs by evaluating your insurance options, including Medicare, and estimating future health care expenses to ensure you are financially prepared.
+ How often will we review and update my retirement plan?
We conduct regular reviews and updates to your retirement plan to ensure it remains aligned with your goals and adapts to any changes in your financial situation or the economic environment.
+ What happens if I have a shortfall in my retirement income?
Our retirement planning in Sebastian FL ensures you’re covered for any shortcomings. If there’s a shortfall, we’ll work with you to develop strategies to bridge the gap. This involves adjusting your savings plan, re-evaluating your investment portfolio, or exploring additional income sources.