Retirement Planning Services
Retire with confidence
Retirement planning covers a broad range of investment and wealth management services. Everyone hopes to retire one day. The quality of that retirement depends on how well you plan and invest during your working life.
Both individuals and businesses can make use of retirement planning services. These services help individuals set goals aligned with their desired retirement lifestyle. For businesses, retirement planning services provide the support and guidance needed to create employer-sponsored retirement plans tailored to their employees’ needs.
Individual Retirement Planning
Your retirement should reflect the life you’ve worked hard to build—and the future you envision. Our team strives to offer a personalized approach to retirement planning that helps you prepare with clarity, confidence, and purpose.
We work closely with you to understand your goals, resources, and lifestyle needs, and then design a strategy that helps you grow your savings, manage risk, and create sustainable income throughout retirement. In this planning, our team focuses on:
Comprehensive Retirement Analysis
We evaluate your current savings, expected income sources, and long-term needs to ensure your plan aligns with your goals.
Investment Strategy
We design diversified portfolios focused on growth, income, and risk management throughout every stage of life.
401(k) Rollovers
We assist in rolling over funds into an IRA or other eligible retirement account where you may gain greater flexibility, broader investment choices, and more personalized guidance.
Before deciding whether to retain assets in a 401(k) or roll over to an IRA, an investor should consider the various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgements, required minimum distributions and possession of employer stock. Please view the investor Alerts section of the FINREA website for additional information.
Tax-Efficient Planning & Roth Conversion Strategies
Our team helps identify opportunities to reduce your long-term tax burden—such as strategically converting a Traditional IRA to a Roth IRA. Converting to a Roth IRA can provide tax-free withdrawals in retirement, minimize required minimum distributions (RMDs), and enhance your ability to pass wealth tax-efficiently to your beneficiaries.
Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Rother IRA.
Income Solutions
We explore ways to help turn your retirement savings into a reliable, lasting stream of income.
Ongoing Guidance
As life and markets change, we adjust your plan to keep you on track for your vision of retirement.
Whether you’re just beginning to plan, nearing retirement, or already retired, our team can help you make informed decisions that support the future you want—so you can retire with confidence.
Employer Retirement Plans
We work with businesses and organizations like yours to build a company-sponsored retirement plan that meets the needs of your employees. We recognize that when it comes to the needs of your company and your participants, there’s no such thing as a one-size-fits-all retirement plan. That’s why we take a personalized approach to identifying your goals, and work with you to build a plan that meets them.
Our team has the experience and knowledge needed to optimize a plan for your business that best serves your workforce. When working with us, we will become a partner who will take an active role in your plan design, cost management, and participant education. We’re here to support your business and employees in planning for retirement, providing the knowledge and tools for meaningful investments based on your employees’ needs.
Because our team conducts continuous research on investment offerings and market developments, you can feel confident knowing you can leverage this expertise, insight, and analytics in your company’s retirement plan to help improve participant outcomes for the life of your plan.
Our Wealth Management team is here to help you choose the company-sponsored plan that works best for your business and employees. Contact us today so we can help you establish a plan that fits your organization’s specific retirement benefits needs—a plan we work to design with you that provides meaningful options for your employees and offers you direct access to ongoing support.
Reach out to learn how our Wealth Management team can help you achieve your goals.
Ways our Wealth Management team serves you:
Cetera Investment Services, LLC is an independent registered broker/dealer, member FINRA/SIPC.
Citizens Investment Services is a marketing name of Cetera investment Services. Securities and insurance offered through Cetera Investment Services LLC, Member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC. Cetera firms are under separate ownership from any other named entity.
Investments are: Not FDIC/NCUSIF insured | May lose value |Not financial institution guaranteed| Not a deposit | Not insured by a federal government agency.
Important Information and Form CRS and Business Continuity Plan. Investment Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit Cetera Investment Services LLC site at www.ceterainvestmentservices.com
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