Planning for Retirement

  1. We calculate what accumulation of investment assets is necessary to allow retirement at the client's desired spending level, given his or her particular life expectancy. In short, we give the client a definite target.
  2. We identify the paths to that goal and estimate when it is likely that the client can reasonably attain it.
  3. Our advice also plans for the regular cash flow needed in retirement to match annual spending (e.g., by suggesting bonus deferral or by erecting a bond ladder).