OUR PROCESS

  • [SET UP A MEETING]

    Meeting with TB Retirement Planning is an important first step towards securing your financial future. It is an opportunity to get to know an advisor and share your goals and aspirations.
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    You are under no obligation and your initial meeting with one of our experienced advisors will be relaxed, informal and is free for anyone!

  • [WHAT TO BRING]

    - A list of questions you have regarding your current financial situation.

    - Any account statements, budgets, or information about other areas of your financial life that you feel deserves immediate attention.

    - A list of financial goals you would like to achieve, both short- term and long-term

  • [WHAT TO EXPECT]

    - A professional evaluation to help clarify your financial goals and priorities.

    - Detailed information about our customized solutions, including risks, benefits and costs.

    - Recommendations on how to move forward.

  • [TAKEAWAYS]

    At the conclusion of your initial consultation, you will have the opportunity to schedule a second meeting. During this second meeting, a more specific outline of your individual planning process and timeline will be detailed along with any associated fees.

    We are dedicated to developing lasting relationships with all of our clients and we look forward to working with you.

Retirement Income

Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face.  It’s very likely to spend 30 years or more living in retirement without earned income.

We create a customized retirement income plan, encompassing all sources of income, for each one of our clients and no two plans are exactly alike. 

Let us get to work on a plan for you.

Asset Protection

​Retirement doesn’t mean that it’s time to stop growing.  Same holds true for your money.  It should mean, however, that it’s time to stop taking unnecessary risk. 

We specialize in helping retirees protect their retirement assets while continuing to move forward.

Family Legacy Planning

Many of our clients want to leave a legacy for their children and grandchildren and are shocked to learn how easy it is to double, even triple their inheritance – tax-free and guaranteed!

We also work with our clients and help them embrace their own mortality and be prepared for the loss of a spouse and the income burdens this can often create.

Long-term Care Solutions

Long-term care/extended care costs have gone up substantially in the last 10 years. Unfortunately, the statistics are not in our favor, a plan to address these costs should be included in every retirement strategy.

The good news is we work with hybrid insurance plans that leverage your dollar in case you need it for extended care, but remain 100% accessible for withdrawal if you don’t. 

Qualified Plan Rollovers

Changing jobs and retiring are two transition times in our lives that can be stressful. Fortunately, we work with people every day who are in the same situation and looking to take control of an employer-sponsored plan or just need help transferring the money to another employer plan. We make a seemingly daunting task easy and are happy to help you with your qualified plan questions and needs.

Here are four things you can do with the money in your employer sponsored retirement plan:

  • Leave the money where it is

  • Take the cash (and pay taxes, plus a 10% tax penalty if you are younger than age 59 ½)

  • Transfer the money to another employer-sponsored plan (if the plan allows)

  • Roll the money over to a self-directed IRA

Let us help you determine if a rollover is the right move for you!