Retirement Services
When Limited Thinking Just Won’t Do↓</span
Retirement
So much more than your 401(k)
When the average person hears the words ‘retirement planning,’ they usually think of their company 401(k). But that is only a part of it. Our advisor’s main goal is not to grow your 401(k) balance as large as it can be. That would not only be short-sighted but, honestly, financially dangerous to put all your retirement eggs in one basket.
When planning your retirement, we consider alternative, smart retirement assets that set you up with a series of assets that allow you optionality in retirement to handle seen and unforeseen life events. Assets a lot of advisors undervalue or don’t consider, including real estate; cash value; long-term care insurance and HSAs can make or break your retirement plan.
Mindset
Long-term thinking… Long-term results
Many retirement planners think too much about the shortterm or through only certain career and life phases; never fully accounting for tax liabilities or planning ahead for the ramifications of the required minimum distribution (RMD).
At Northeast Private Client Group, you will work with forwardlooking, long-term strategists…not short-term thinkers. We think ahead about your future tax obligations and plan for inflation and the whims of the stock market through the retirement assets we recommend for you. We consider the entirety of your plan so that it takes care of you through your retirement and your loved ones after you pass in the form of a wealth transfer. Because the last thing you want to do is be forced into bad decisions due to poor upfront planning.
True Change
It all starts with you
Cash value: Policy loans and withdrawals affect the guarantees by reducing the policy’s death benefit and cash values. Some whole life policies do not have cash values in the first two years of the policy and don’t pay a dividend until the policy’s third year.
