Retirement Planning, York Pennsylvania

In an ideal world, our investment brokers would start working with you on retirement planning as early as possible.

However, as people reach different stages in life, their focus on retirement planning can either decrease or increase, depending on what is occurring in their life.

No matter what stage of life you are in, we will do our best to help you reach your retirement goals. When working towards retirement, we will look into:

• Minimizing your taxes
• Optimize social security
• Optimize your investments
• Target your retirement income
• Identify potential medical expenses

Personalized Retirement Plan:

When creating a personalized retirement income plan, it is important we get a clear understanding of your financial goals and situation.  To do this, we ask a few questions:

• What is your risk tolerance?
  • Are you cautious when it comes to the market or do you prefer more risk?

• What is your time frame for retiring?
  • When do you want to retire and how long does that give us to plan?

• What are my retirement income goals?
  • How much money would you ideally like to have in retirement?
  • Will this support the potentially new lifestyle your retirement will create?

• What taxes will I pay in retirement?
  • Does the target income take into consideration potential tax changes?

• What are my retirement plan options?
  • Taking all these features into consideration, what retirement strategies could potentially help you achieve your goals?
  • What are each plan's pros and cons?
  • Are you comfortable with these options or do we need to consider alternative goals and features?

Free Retirement Plan Review

Langan Financial Group will review your retirement plan for free. The first thing we will want to understand is:

• What is your retirement goal?
• What are your retirement concerns?
• What are your likely retirement obstacles?

We will dive into your retirement plan's strategy and take a look at:

• Time Line
• Risk Tolerance
• Asset Allocation
• Contribution Rates
• Potential Tax Liability
• Retirement Income Projection

As we review it, our financial advisors and investment brokers will look for opportunities for improvement. If you have not reviewed your plan recently, there may be the following changes that could impact your plan:

• New Market Tools
• Life Changing Events
• New Market Products
• Current Market Conditions
• New Government Regulation

It is vital to review your plan at least annually to help keep your plan up to date and aligned with best practices.

Once we conduct a review, we can look into what your retirement options are. When we work together with clients, we provide all of their options and discuss each one's pros and cons.

We want you to have a retirement plan you are completely comfortable. You should know why this path may be the right path for your situation and be excited to move forward.