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Pre and post retirement planning may be the key to solving your financial concerns and achieving improved retirement satisfaction. The majority of retirees and pre-retirees do not regard retirement as a time of rest and relaxation. Rather they see it as a new, active state of their lives characterized by continued personal growth, personal reinvention and new beginnings in work and leisure.
Retirement Plan - We help you map out your alternatives by using retirement modeling programs. We try to help people find ways to retire early, live better and move to a favorite destination. The sooner one has a realistic approach to retirement planning, the greater chance you will find peace of mind. We assist each client in developing a plan that includes:
- Extensive retirement calculations to determine your spending capabilities in retirement based upon your personal goals and priorities.
- Review the sensitivity of their retirement plan to duration of employment, inflation and spending patterns.
- Counseling each client on how to best invest and accumulate monies for retirement during their employment years.
- Review how to best distribute investment assets from taxable, tax-deferred and tax-exempt investments in the most tax-efficient manner.
Investment Review and Plan - For individuals that need to sort through and organize their accumulated investments our Investment Plan includes:
- Preparation of a long-term asset allocation that responds to the client's investment goals, risk profile, diversification needs and return expectations.
- A review of the client's existing accounts to see if the custodian structure can be enhanced through consolidation, transaction cost reduction or improvement in credit quality.
- A review of all investments to ensure that they fit within the context of the overall long term asset allocation and a prudent investment process.
Estate Planning - We work closely with our clients and their designated attorney (or an attorney we recommend from our network of professionals) in the conceptualization, creation and/or revision of a client's estate documents, including wills, trusts, powers of attorney, health care proxies and living wills.
IRA and 401k Consolidation Planning - We often meet clients with multiple IRA's, SEP IRA's, 401k's, 403b's and Roth IRA's created at different times with different purposes in mind. We help consolidate and aim your investments so that they are working for you, not the brokers or insurance agents.
At Noyes Capital, we believe that a sound financial plan is fundamental to achieving your life's goals and enhancing your quality of life. We also believe ongoing and proactive implementation - delivered through advice that is personal, comprehensive, objective, competent and ethical - to be indispensable to caring for all aspects of your wealth.
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