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The retirement you envision for yourself won’t happen by accident. It takes careful planning, preparation, and consistency to make that vision a reality. While some people might think they can live well enough on Social Security and whatever they manage to save for themselves, most people are surprised to learn that Social Security income will rarely cover all of your retirement expenses. Being able to cover unexpected medical bills, home repairs, and any little luxuries you want for yourself, such as traveling to visit family, requires thoughtful financial planning for retirement.
At Bridger Financial Group, we help you design that plan from the ground up, building it on the foundation of your retirement goals and dreams. We get to know you and your vision of the future, so we can better guide you through the retirement planning process and create a plan that fits your needs.
We’ll help you understand:
With our experienced retirement planners on your side, your retirement goals will finally be within your reach.
How does job change affect your 401(k)?
We can make sure your legacy is protected.
Many people think of retirement as a finish line, and retirement planning as nothing more than a savings goal. While saving the right amount of money is certainly an important part of retirement planning, it’s only the beginning. Once you retire, it’s essential that you manage that nest egg properly through retirement income planning and proper wealth distribution techniques.
The experts at Bridger Financial Group can help you to look beyond that last day of work to gain a better picture of what your retirement will look like. Then, we’ll provide you with a plan that carries you through those retirement years, with expert guidance on:
Our retirement planning services include managing investments, income, and taxes. We can help you manage IRAs and 401(k)s, including 401(k) rollovers for when you want to move assets from one retirement account to another. This type of comprehensive planning helps to ensure that you have consistent cash flow throughout your retirement years, so you never have to worry about making ends meet.
Social Security benefits are currently available to individuals as young as 62, and you can qualify for the full benefit amount at 67. While it may seem smart to start collecting Social Security as soon as it’s available to you, this can actually reduce your benefits over the long term. Typically, waiting until the age of 70 to begin collecting Social Security is the best way to maximize your benefits. However, this can vary for some individuals based on their personal circumstances, so we strongly recommend that you speak with a financial advisor when making this decision.
This varies largely depending on your retirement goals. Generally speaking, you should plan to save about 15% of your income for your retirement, but you may want to save more each month if you’re getting a late start. The final amount you need to save, however, will depend on many different factors, and can even change over time, depending on your shifting lifestyle goals, changes in the economy, and more.
Investing your nest egg can be stressful for many. You might worry about losing those funds, and putting your retirement goals at risk as a result. While there is always risk in investing, an investment advisor can help you select the right investment options for your risk tolerance level. We recommend diversifying your portfolio and maintaining an expectation of long-term, steady growth, rather than quick payouts.
Are you ready to start planning for your ideal retirement? Bridger Financial Group can help. Contact us today to schedule an appointment with one of our advisors. We’ll talk to you about your finances and retirement goals so that we can help you design a retirement plan that fits your needs. Let’s start planning for a better future together.
This guide takes a critical look at the finances of retirement. It talks about health care costs, income stability, and the burden of debt and is designed to help your clients know the recipe for success in retirement.