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Retirement Planning

Retirement planning usually begins with questions such as, “Do I have enough?” “What is enough?” “Will I outlive my money?” “Will I be okay?”

It is never too early or too late to start planning for retirement. Wherever you are, Brumbaugh Wealth Management will help you take steps to secure your financial future. We will make sure your money works effectively for you – today, tomorrow, and through the golden years of your retirement to the next generation.

As we work together to plan for your retirement, we will:

  • Perform a thorough needs assessment. How much money you need to retire depends on what you want your retirement to look like and what you want to do. We’ll examine your goals and objectives so that we can put accurate numbers to what you will need for the future.
  • Engage in retirement income modeling. We take a wide variety of factors into account for our retirement income models. For example, we look at when your home will be paid off, whether you plan to move, what expenses you can expect in future years, what physical ailments run in your family, if you want to travel, and whether you might need extended care for a health event. Each factor has an impact on how to maximize the assets you possess.
  • Plan for contingencies. A lot can happen during the decades you may have in retirement. We will develop a financial solution for you that takes into account life events, health changes, healthcare costs, etc.
  • Discuss distribution options. Where and when you withdraw money for your retirement can significantly impact your overall assets and returns. We will work with you to devise the optimum distribution methods (i.e., when to withdraw from IRAs, brokerage accounts, pensions, etc.) to optimize your tax efficiency and give you the greatest return on your retirement assets.

Our goal is simple: to enable you to say, “I don’t have to worry about retirement. I’m going to be just fine.”

 



P 610.458.2495
F 610.458.7873
ngarganio@brumbaughwealth.com
Eagleview Corporate Center
760 Constitution Dr. Suite 100
Exton, PA 19341
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 Registered associates of Brumbaugh Wealth Management are registered representatives of Lincoln Financial Advisors. Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker/dealer (member SIPC) and registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Brumbaugh Wealth Management is not an affiliate of Lincoln Financial Advisors Corp.

In MI, securities and advisory services offered through Lincoln Financial Advisors Corp., a broker-dealer, registered investment advisor and insurance agency. In CA, insurance offered through Lincoln Marketing and Insurance Agency, LLC and Lincoln Associates Insurance Agency, Inc. In WA, insurance offered through Lincoln Financial Advisors Corporation and LFA, Limited Liability Company and other fine companies. In UT, LFA Insurance Agency - insurance offered through Lincoln affiliates and other fine companies. In all other states, insurance offered through Lincoln affiliates and other fine companies.

CRN-1256746-072315

We are licensed in the following states: AZ, CA, DC, DE, FL, VT, GA, MA, MD, MI, NC, NJ, NV, NY, OH, PA, RI, TN, TX, VA.
 


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