Our process is designed to help our clients achieve simplicity and confidence during their retirement years. It’s focused around 5 key areas of your current financial life.
Do you how much money you’ll need in retirement? What about where it will come from? Are you planning to keep working? Answering these and many other questions is key for developing a comprehensive retirement plan.
We will create an investment plan for the assets. This typically includes assessing your risk tolerance, adjusting your portfolio to reduce fees, establishing volatility monitoring, and minimizing longevity risk.
Your comprehensive retirement plan will include a strategy for potentially decreasing tax liabilities. We’ll establish if you can benefit from moving money into tax-deferred or tax-free accounts and determine which accounts you should draw income from first to help minimize your tax burden.
We will create a plan to help you address rising healthcare costs with minimal expenses. We’ll review your costs and coverage under Medicare Part A, B, and D, evaluate available Medicare Advantage coverage, and develop a plan for managing long-term care expenses.
It is important to ensure that your assets go to your beneficiaries in the most tax-effective manner. By working collaboratively with an estate planning attorney, we’ll create a plan that helps protect your assets and reduces the need for the probate process as much as possible.
Retire Road: Our Planning Process
"Paving your road to success is simple with Apella Atlanta. Our proprietary “Retire Road” planning process helps you develop a holistic plan for your entire financial life. It consists of five key components of retirement planning."
About Phil Calandra, Partner and Senior Financial Advisor
Phil is the author of Retirement Unchained, Break Free from Wall Street and Government Gone Wild. An Atlanta area native, Phil has appeared on ABC, NBC, CBS, and Fox affiliates around the country. He has been featured in many publications including Fortune and the Wall Street Journal.