|
Today, we have many ways to prepare financially for our golden years. Yet, without a specific plan of action, many people find themselves falling short when it is time for them to relax and enjoy their life’s work.
Among the most important financial tasks Gray Equity Management can help you accomplish is the development of a workable retirement plan.
Our goal is to help you develop a well-balanced plan that draws on many different resources to build a retirement savings “nest egg” that will support your chosen lifestyle.
We start by helping you envision the type of lifestyle you would like in retirement and then estimate the savings you’ll need to support that lifestyle. Most people need 70 to 90 percent of pre-retirement salary (adjusted for inflation). We examine likely sources of income, including Social Security benefits, investment income, savings, pensions, part-time earnings, rental income, etc. We then project expenses, both discretionary and non-discretionary, throughout your life expectancy.
Next we develop a realistic financial plan to achieve that lifestyle. Remember, the combination of time and compound interest means that even small contributions can make a big difference.
When choosing among different investment instruments, whether a company-sponsored retirement plan or your own IRA or investment portfolio, it is important to keep a time horizon - the amount of time before and during retirement - in mind.
Our balanced approach to retirement planning helps to ensure that your assets continue to grow safely and securely. Integral to our plan is careful monitoring of the status of your retirement savings portfolio, with regular “checkups” to help maximize the return on your investments.
Above all, we want to be sure that your retirement plan is appropriate to your current situation, while anticipating future needs.
Securities offered through 1st Global Capital Corp., Member FINRA, SIPC. Investment advisory services offered through Gray Equity Management, LLC. Gray Equity Management, LLC and 1st Global Capital Corp. are unaffiliated entities. We currently have individuals licensed to offer securities in the states of CA, CO, CT, FL, GA, IL, IN, KS, KY, ME, MD, MA, NH, NJ, NY, NC, OH, OR, PA, RI, TN, TX, VA, VT, WI and WY. This is not an offer to sell securities in any other state or jurisdiction
|
