Planning for Retirement
- We calculate what accumulation of investment assets is necessary to allow retirement at the client's desired spending level, given his or her particular life expectancy. In short, we give the client a definite target.
- We identify the paths to that goal and estimate when it is likely that the client can reasonably attain it.
- Our advice also plans for the regular cash flow needed in retirement to match annual spending (e.g., by suggesting bonus deferral or by erecting a bond ladder).