About the Book
Congratulations! You’ve made it to retirement. I bet you’re like many of my clients; you thought this day would never come!
Well, you’ve worked hard and been committed to saving and investing for this once-in-a-lifetime day when you can walk away from your job and finally do whatever you want. Wouldn’t it be great to have a checkup to make sure you’ve gathered all the pieces of the pie? And that you’ve organized them in a sequence allowing you to pay the least amount of taxes legally possible, leaving more for you and your heirs?
Wouldn’t it be even better to have a guide to walk you through the checkup to decipher what all the results mean and where you have room to save money or extend the life of your accounts? That’s where I come in. I help people just like you walk through the “5 Critical Areas of Retirement.” This review ensures that all those days of showing up for work pay off and you can finally get on with enjoying your retirement.
About the Book
Congratulations! You’ve made it to retirement. I bet you’re like many of my clients; you thought this day would never come!
Well, you’ve worked hard and been committed to saving and investing for this once-in-a-lifetime day when you can walk away from your job and finally do whatever you want. Wouldn’t it be great to have a checkup to make sure you’ve gathered all the pieces of the pie? And that you’ve organized them in a sequence allowing you to pay the least amount of taxes legally possible, leaving more for you and your heirs?
Wouldn’t it be even better to have a guide to walk you through the checkup to decipher what all the results mean and where you have room to save money or extend the life of your accounts? That’s where I come in. I help people just like you walk through the “5 Critical Areas of Retirement.” This review ensures that all those days of showing up for work pay off and you can finally get on with enjoying your retirement.
A Note From the Author
“Through the years, I’ve found many people overlook strategies that could have saved them money in retirement. If implemented correctly, these pieces would have ensured their heirs kept as much of their inheritances as possible without letting the government collect unnecessary taxes.
By simply applying certain retirement strategies, you can extend your accounts by years, giving you more to spend in retirement or leave for your loved ones and favorite charities. Needless to say, retirement planning is complex. Tax codes seem to be changing more often than the autumn leaves!
It is vital to understand that every decision leading up to retirement can make an impact on your future plan. Once you retire, assessments can be made with planning to ensure you don’t pay more money in taxes than is required and avoid as many penalties as possible. Getting ready for retirement includes filing for Social Security, paying taxes, planning for RMDs (Required Minimum Distributions), choosing your Medicare plans, and ensuring the sale of a home or business doesn’t impact your Social Security and Medicare payments. You want to consider investment and estate planning as well. Wouldn’t you feel much more relaxed about the whole process if you had a checkup to see where you stand?
Many retirees and pre-retirees don’t realize the severity of retirement planning. If you change one area, it may negatively impact another area.
I met with a couple who had built their own retirement plan. In their plan, they were going to delay Social Security. By looking strictly at the math, delaying Social Security is usually the best way to go, but if you consider the whole picture, sometimes it is not.
When we built out the Tumolo Financial Retirement Checkup for this particular couple, they would save about $2,500 in taxes per year by drawing Social Security first. Starting Social Security also protected the other if one were to pass at a younger age. The protection came from preserving the accounts, so the surviving person had more to draw from.
This is what I mean by looking at the whole picture. It isn’t always black and white. Some of your decisions are permanent, so we want to evaluate each possible option to ensure you have every available advantage.
Let’s not waste another moment. We have lots to talk about!”
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