Worried that your financial strategy is Missing Something?

We’re here to help you feel confident in your financial future.

Your Dreams Matter

At Pathways Retirement Advisors, we believe everyone should be able to live the retirement they’ve always wanted. Our team of professionals can help you create a well-thought-out strategy, using a variety of investments and insurance products and services, to help you address your financial needs and concerns.

The Pathways Goals-Focused Planning Process

We ask thought-provoking questions about your financial well-being to understand your current retirement and financial strategy as well as your needs, wants and likes for retirement.

We offer services in these areas: 5 Plans for Retirement

1. Income Planning

Our goal is to help ensure your expenses can be paid month-to-month with reliability and predictability for the rest of your life.

This typically includes:

  • Social Security maximization
  • Income & expense analysis
  • Inflation plan
  • Spousal plan
  • Longevity protection

2. Investment Planning

We will create an investment plan for your remaining assets to grow and be used for income if needed.

This typically includes:

  • Your risk comfort level
  • Adjusting your portfolio to reduce fees
  • Volatility control
  • Evaluate ways to reduce risk while still working towards your goals
  • Comprehensive institutional money management

3. Tax Planning

A well-rounded retirement plan includes advanced tax strategies to reduce liabilities.

Our expert tax planning services include:

  • Evaluating Current Holdings: Thorough assessment of the taxable nature of your current assets. Along with legal tax reduction strategies.
  • Incorporating Tax-Advantaged Investments: Strategically including taxed later or tax-free money in your portfolio. Along with tax loss harvesting.
  • Tax-Efficient Income Distribution: Developing a strategy for drawing income from the most beneficial tax categories first.
  • Tax-Free Legacy Planning: Exploring ways to use taxed later or taxed now funds to provide tax-free dollars to your beneficiaries.

4. Health Care Planning

We will create a plan to help you address rising health care costs.

This typically includes:

  • Looking at all aspects of Medicare
  • Create a Chronic Care Plan and Survivor benefit for surviving spouse

5. Legacy/Estate Planning

It is important to ensure your hard-earned assets go to your beneficiaries in the most tax-efficient manner.

By working collaboratively with a qualified estate planning attorney, our goal will be to help you:

  • Maximize your estate and income tax planning opportunities
  • Protect any assets in trust and ensure they are distributed to your beneficiaries probate free
  • Prevent your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death

Ready to Take The Next Step?

For more information about any of our services, schedule a meeting today.

Or give us a call at 855.718.3400.