Retirement Planning

It is never too early to consider planning for your retirement, in fact, the earlier you do so, the more options will be available to you and the more financially secure you are likely to be in later life. In this section of the website we will cover many of the factors that you should be aware of when considering your retirement including saving for your future, investments, tax, asset allocation and diversifying your portfolio.


Posted by on Nov 9, 2016 in Financial Focus, Retirement Planning

Knowing that we’ll need more money to buy the same amount of goods we are buying today can be daunting. This is the reason savers choose to invest, so as to keep the purchasing power of their hard earned dollars ahead of inflation.

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Flexible Spending in Retirement

Posted by on Nov 7, 2016 in Financial Focus, Retirement Planning

By adjusting spending accordingly, you are not required to live an austere lifestyle early on, because you can adjust your spending to meet the needs of the portfolio as time goes on. This flexibility can potentially increase the sustainable percentage distributed from a retiree’s portfolio. We recommend you read the full article here. Keep in mind there is no “one size fits all” approach to investing. We recommend creating a living plan which addresses your specific goals and needs, tailored to your unique circumstances.

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Retirement Savings: Delaying gratification or buying peace of mind? 

Posted by on Apr 19, 2016 in Financial Focus, Retirement Planning

The big question on many American’s minds is how much they need to save to have a comfortable retirement. Simple question right? Wrong.

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The Living Plan

Posted by on Apr 15, 2016 in Financial Focus, Retirement Planning

Many people think that a financial plan is for their benefit. No doubt, our clients are more organized and have a clearer picture of what the future may hold. However, when we create a financial plan, we’re also creating it for ourselves, as advisors.

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Do the Social Security File and Suspend and Restricted Application changes impact you?

Posted by on Mar 25, 2016 in Financial Focus, Retirement Planning, Social Security

In November, Congress decided to eliminate both the option to file and suspend your application and the option to file a restricted application. Fortunately, they are not closing the door on these options immediately, giving people who qualify for these benefits the opportunity to decide what they would like to do. If you qualify, filing and suspending your application requires action on your part before April 29, 2016. The file and suspend option allows you to file your application and then suspend it, allowing your benefit to continue to grow, while at the same time allowing your spouse to...

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Retirement Planning Tips

Posted by on May 24, 2014 in Financial Focus, Retirement Planning

Retirement planning is key to having the income you need after you leave the workforce. We have been working with a lot of baby boomers lately to form the right solution depending on their investment objectives and each individual’s specific goals. Review this list of the Top 10 Ways to Prepare for Retirement We think this is a good list to start you on your way. A Certified Financial Planner™ at First Pacific Associates will be happy to help you work out the details for the 10 points covered here: Start saving, keep saving, and stick to your goals Know your retirement needs Contribute to...

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