Retirement Roadmap™

Find the path to the retirement lifestyle you want

Retirement Income Planning

Goldstone Financial Group is not your typical portfolio management firm. We are forward thinkers and innovators, and we won’t try to fit you in a box of pre-designed retirement income planning strategies. Instead, we’ll customize a strategy that actually works for you and your family — one that helps to put you on the path to the retirement lifestyle you want.

Retirement Income Planning

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We will work hard to develop a comprehensive, diversified and tax-efficient financial strategy that helps you weather any type of market or economic condition in the days and years ahead. Using our innovative approach to retirement planning, we will introduce you to options that provide a steady and reliable income stream for the rest of your life and create the potential for long-term growth.

One tool that we often recommend to our clients is an individual retirement account (IRA). IRAs are a type of retirement account that can offer tax advantages and help you save for retirement. There are several different types of IRAs to choose from, including Traditional IRAs, Roth IRAs, and Simple IRAs.

Traditional IRAs allow you to contribute a certain amount of money each year on a tax-deferred basis. This means that you don’t have to pay taxes on the money you contribute until you withdraw it in retirement. Traditional IRAs also offer the potential for tax-deductible contributions, depending on your income and whether you participate in an employer-sponsored retirement plan.

Roth IRAs, on the other hand, are funded with after-tax dollars. This means that you don’t receive a tax deduction for your contributions, but your money has the opportunity to grow on a tax-deferred basis. When you withdraw your money in retirement, you won’t have to pay taxes on it. Roth IRAs are a good option for people who expect to be in a higher tax bracket in retirement, as the tax-free withdrawals can be a significant benefit.

Simple IRAs are a type of retirement account that is designed for small businesses with 100 or fewer employees. Employees can contribute to a Simple IRA and receive a matching contribution from their employer. Like traditional IRAs, Simple IRAs allow for tax-deferred growth of your investments.

401k plans are another type of retirement account that is offered by many employers. With a 401k, you can contribute a portion of your salary to a tax-deferred investment account. Some employers may also offer a matching contribution, which can be a great way to boost your retirement savings.

If you’re 50 or older, you may also be able to make catch-up contributions to your retirement accounts. These are additional contributions that are allowed above the annual contribution limit for people who are closer to retirement age. Catch-up contributions can be a great way to increase your retirement savings if you haven’t been able to save as much as you’d like in the past.

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At Goldstone Financial Group, we can help you evaluate the different types of retirement accounts and determine which ones are right for you. We’ll consider your income, your tax situation, and your retirement goals to create a customized plan that helps you achieve your financial objectives.

In addition to helping you choose the right retirement accounts, we can also assist with investment strategies and provide ongoing guidance to help you stay on track. Our team of financial advisors has the knowledge and experience to help you navigate the complexities of retirement planning and make informed decisions about your financial future.

If you’re ready to start planning for your retirement, we encourage you to contact Goldstone Financial Group today. We’ll work with you to create a personalized retirement income plan that helps you achieve the retirement lifestyle you want.

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