RETIREMENT PLANNING

ARE YOU SAVING ENOUGH?

  • I want to retire on time. How much should I save every year?

  • What is the right asset allocation for my retirement goals?

  • What types of retirement accounts would make the most sense for me from a tax perspective?

  • What is a Roth IRA account? Am I able to contribute to one?

  • What percentage of my income should I be contributing to my employer's retirement plan?

  • Should I convert my traditional IRA to a Roth IRA?

  • Should I put more money towards my mortgage?

  • How can I save for retirement and my child's college education?

When you are saving for retirement you will have questions such as:

ARE YOU APPROACHING RETIREMENT?

You have probably asked yourself the following questions:

  • How can I consolidate my accounts to simplify my finances? 

  • Are my investments too risky for this point in my life? Should I be taking more risk?

  • How much can I safely withdraw from my investment accounts each year?

  • Should I take my Social Security benefits now or wait?

  • How can a Roth Conversion help me reduce my Required Minimum Distributions (RMDs)?

  • Will my public employee pension affect my social security?

DESIGNING YOUR RETIREMENT INCOME STREAMS

With the prospect of paying for retirement needs for as many as 30 years, if not more, the worry of maintaining your standard of living can cause concern. To alleviate some of these concerns we will review your current monthly expenses, outstanding debt, and expected future expenses such as travel, relocation, home repair, new purchases, etc. Then we evaluate all of your sources of income such as employer-sponsored retirement plans, including 401(k) and 403(b) plans, Social Security, pensions, annuities, rental property, and investment assets. Your plan will incorporate your tax situation based on the assistance of your tax professional. Ultimately, we will craft a plan based on your preferences that you can be confident in.

(707) 481-8990

5037 King Pl., Rohnert Park, CA 94928

Gap To Gap Financial (“Gap To Gap”) is a registered investment advisor offering advisory services in the State of California and in other jurisdictions where exempted.  Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by Gap To Gap in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.

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