Retirement Planning Services
True financial security may require looking at the whole picture. At Schaffer Private Wealth Group, we work with you to help navigate the complexities of long-term wealth accumulation, preservation, and distribution. Our approach combines advanced forecasting technology with deeply personalized strategies to help ensure your assets work efficiently for you.
Dynamic Wealth Modeling & Retirement Projections
Using our sophisticated financial architecture platform, we construct a real-time, interactive digital dashboard for your entire financial life. Some examples of the reports and tests include:
Tracking every inflow and outflow to visualize exactly how your portfolio will support your lifestyle year-by-year.
Modeling cash flows against financial aspirations and various market conditions, rising costs, and unique life events.
Whether you are trying to decide at what age to retire, how much you need to save, or if you want to continue working, we can create different scenarios and show the cause and effect of each stage of your finances.
We take the time to go through each aspect of your financial situation and use the plans and reports to discuss where you are on your financial goals scale.
Tracking every inflow and outflow to visualize exactly how your portfolio will support your lifestyle year-by-year.
Modeling cash flows against financial aspirations and various market conditions, rising costs, and unique life events.
Whether you are trying to decide at what age to retire, how much you need to save, or if you want to continue working, we can create different scenarios and show the cause and effect of each stage of your finances.
We take the time to go through each aspect of your financial situation and use the plans and reports to discuss where you are on your financial goals scale.
Tax-Efficient* Withdrawal Sequencing & Distribution
- Coordinating withdrawal sequences across taxable, tax-deferred, and tax-free accounts
- Strategic tax planning with employer stock options and company retirement plan distributions
- Qualified charitable distributions strategies
- Social Security and IRMAA considerations
- Mitigating penalties
*Wells Fargo Advisors Financial Network does not provide legal or tax advice. Any discussion of taxes represents general information and is not intended to be, nor should it be construed to be, legal or tax advice. Tax laws or regulations are subject to change at any time and can have a substantial impact on an actual client situation.
Meeting Your Evolving Needs
Reaching your retirement date doesn’t mean our financial reviews stop, instead, our conversations shift from how you build your wealth to how you safely live on it. When you transition out of the accumulation phase, our team works with you to help navigate the practical realities of your money and financial wellbeing, so you can focus on enjoying this stage of life.
To help stay the course, we focus on:
» Spending and income tracking
» Portfolio and downside risk management
» Healthcare and longevity defense
» Legacy considerations