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Retirement Transition Planning

Making the transition into retirement typically happens within a five-year time frame. Those brief years are critical for bridging the gap between your pre-retirement years (when you were accumulating wealth) and your retirement years (when you’re relying on the wealth you’ve accumulated).

We believe that holistic retirement planning can help clients develop a dynamic and comprehensive retirement strategy. Working with individuals and families transitioning into retirement, we offer a wide array of services, including:

Income Planning

Income planning is a critical element of a solid retirement plan. A major financial goal is to have a consistent and reliable stream of income that will last through retirement. By developing a plan, we can help clients address critical questions, like how to shift from retirement savings to retirement income, how to estimate monthly income, and how to ensure those assets last.

Social Security

As Baby Boomers approach retirement, questions and concerns abound. Is the Social Security system financially healthy? How much will my income benefit be? How do I maximize my benefits? When should I begin taking Social Security? We understand the complexities of Social Security and we can address our clients’ questions and help them determine how and when to claim Social Security.

Investments and Asset Management

Many clients transitioning into retirement are focused less on taking risks and focused more on managing and preserving their wealth. We help clients analyze their income sources and determine how to match them with future expenses.

Tax Reduction Strategies

Many clients don’t realize how much taxes can eat away at their assets. After a lifetime of saving and investing, clients want to preserve their wealth in retirement. We help clients develop a tax-efficient retirement plan and determine possible ways to reduce or eliminate various taxes.

Estate Planning

Many individuals and families don’t just want to make their assets last for their lifetimes; they want to leave a legacy for their heirs in addition to making their assets last for their lifetimes. However, the financial side of estate planning is often overlooked and can have the most dramatic impact on one's family. At Madison Financial Planning Group, we can assist clients in articulating their estate planning needs and coordinate the work of other professionals who may be needed, including attorneys and CPAs. Whether a client wishes to use a trust or other method, we offer guidance regarding today’s confusing estate and tax laws.