Spend your retirement years doing what you want.
How do you want to spend your retirement? Where do you want to live? How does spending winters in a warmer climate sound? Do you want to work part-time or volunteer for a cherished organization (maybe even start your own?) Whether there’s a new hobby you want to dive into or the option to sit back and relax, you likely have a retirement vision.
To achieve this retirement vision, now is the time to implement financial strategies to help make it happen. At Capstone, you’ll work with a team that stays by your side, helping you determine the best time to retire. You’ll receive the support and advice you need to make a smooth transition into the best years of your life.
Hear what our Advisors have to say
Planning for retirement shouldn’t be complicated. We’ll walk you through your options – whether you’re an individual looking ahead or a business owner seeking the right plan for employees.
When to Start Retirement Planning
Because your investments need time to grow, it’s never too early to start retirement planning. It’s also not too late. Your Capstone retirement planning strategies take into consideration the best course of action to help you save as much as possible . You will also receive investment strategy recommendations based on when you plan to retire and how you envision spending your time once you do. We’ll determine the income you’ll need to meet your lifestyle goals and how to best utilize your retirement investment assets to get you there.
Retirement Planning Strategies
The best way to approach retirement planning is to consider your complete financial picture. In order to ensure you have the financial means to support your retirement vision, your Capstone team looks to:
Identify all sources of reliable income during retirement
Minimize taxes in retirement and maximize income
Optimize Social Security benefits and claiming strategies
Navigate health care options in retirement
With this information, we can best maximize your investments in various types of retirement accounts including:
401(k)
Roth IRA
Self-directed IRA
SIMPLE IRA
SEP IRA
Solo 401(k)
Your retirement strategies and goals can adjust over time, but there is peace of mind in knowing that Capstone will work with you to consider these changes. You’ve worked hard to provide for you and your family. Let’s make sure when the time comes to retire, you’re ready to enjoy it.
Retirement Planning Strategies for High-Net-Worth Individuals and Families
While there are basic tenants everyone can leverage, there are also special considerations for those at the high-net-worth level. In addition to maximizing your retirement accounts, Capstone considers your risk management and estate planning needs. For high-net-worth individuals and families, a big-picture view is the most successful view. Some of these additional strategies that best serve those with large portfolios include:
Advice concerning trusts for both retirement planning and estate planning: including revocable trusts and trusts for wealth transfer and estate tax-reduction benefits
Complex income tax planning strategies for charitable gifts, business owners and consultants, and executives who receive various forms of equity compensation
Alternative investment strategies like private equity funds
Retirement Planning Services and Your Future
At Capstone, your retirement vision becomes our goal. For this reason, you’ll receive a retirement projection that assesses income, expenses, investment growth rates, inflation, and other customized factors. Our approach allows us to determine what it will take to achieve your retirement goals and design a roadmap to get you where you want to be.
Retirement Planning Services and Taxes
Tax-efficiency is an essential component of successfully planning for retirement. Mitigating your tax obligation is fundamental to helping maximize your money growth. Investment portfolio maintenance optimizes your efforts, and because investment vehicles change, retirement planning is not a stagnant endeavor. For example, when the tax code changes, we adjust accordingly.
Your Capstone team will help ensure you:
Use tax-efficient investment vehicles
Optimize your contributions to tax-deferred accounts
Determine your account distribution process to mitigate tax liability
Retirement Planning Services and Estate Planning
If you pass away during retirement, Capstone helps to make sure you’re set up properly to reduce or eliminate taxes at the highest estate tax bracket before the rest of your family receives your remaining estate assets. It’s another example of why comprehensive financial planning is so important.
Retirement Planning Strategies for Business Owners
If you’re a business owner, we’ll help you offer, evaluate, and manage your company’s retirement plans to meet the needs of yourself, your family, and your employees, while still supporting business goals.
From setting up the appropriate retirement plans to answering the many questions that can come with each option, we’re here for you and your employees.
Our company retirement plan services include the ability to:
Recommend the right retirement plan for your business (401k, cash balance plan, etc.)
Research and recommend investment options to offer within the plan
Develop plan contribution and distribution options
Educate your employees about plan benefits and investment options
Ensure your plan complies with all governing laws and regulations
