Retirement Planning

 
We can assist you in preparing for the future with personalized financial planning advice tailored to your needs. A solid financial plan empowers you to save, invest, and navigate tax and estate planning with confidence.

“Wealth is the ability to fully experience life.” —Henry David Thoreau

A comprehensive retirement plan is one of the key factors in achieving financial freedom. While retirement planning can seem easy during the accumulation phase, don't be fooled! We understand that everyone’s situation is unique. We’re prepared to help you address your financial life with a strategy that is both customized and highly personal.

Let's collaborate on creating a plan designed to help you retire in a certain timeframe and with a level of income you feel comfortable with. The scope of any financial planning services to be provided depends upon the specific requests and needs of our clients. 

• Establish traditional IRA, Roth IRA and all other retirement plans that you might be eligible for.
• Analysis of your income needs now and in the future
• Analysis of potential estate tax liabilities.
• Development and implementation of recommendations to fund your income needs and help maintain a comfortable standard of living
• Recommendations regarding the best distribution strategy for your employer retirement plans & IRAs
  Analysis of the beneficiaries of your IRAs
• Review the possibilities of converting to a Roth IRA

Organizing Your Hard-Earned Assets for Lifelong Income

We believe that investing during retirement is essential for achieving your long-term financial goals. While it’s important to have invested in the years leading up to retirement, your retirement date shouldn’t signal an end to investing. After retiring, you may need to continue investing to ensure you can live comfortably and reach your other long-term objectives. At SEA Financial Hawaii, our proven process is designed to address one of the most pressing needs of the growing retiree population: how to develop a predictable and sustainable income.

In retirement, when the 'faucet' has been turned on, and money is flowing out (and no new funds coming in), there is far less room for error. And part of transitioning into retirement is learning some basic concepts related to spending your bounty. For instance, tapping retirement assets in the wrong order can have significant outcomes and capital gains tax repercussions. Some distribution strategies can take years to fully implement. If you fail to act at the right time, you will be in a difficult financial situation without the necessary liquid assets needed for living expenses. 

If our, "SEA Hi-tech/Hi-touch" approach syncs with your needs, please feel free to reach out below (Get Started with a Free SEA Plan) to book a time directly to discuss your unique situation. Call us at ‪(725) FEE-ONLY (that's 725-333-6659‬).