You Need a Game Plan for Retirement
At Visper Retirement Solutions, our goal is to help you gain clarity and confidence as you prepare for retirement. Our process focuses on five key areas of your financial life:
1. INCOME PLANNING
Our goal is to help ensure your expenses can be paid monthly with reliability and predictability for the rest of your life. This typically includes:
- Pension and Social Security optimization
- Income and expense analysis
- Inflation plan
2. INVESTMENT PLANNING
Once your income plan is established, we will create an investment plan for the remaining assets. You should not need to draw from these funds month to month. This typically includes:
- Controlling volatility
- Evaluating ways to reduce risk while still working toward your goals
- Maintaining capital, so you have income if needed but can participate in market growth
3. TAX STRATEGIES
Any comprehensive retirement plan will include a strategy for decreasing tax liabilities. This includes:
- Assessing the taxable nature of your current holdings
- Strategizing ways to include tax-deferred or tax-free money in your plan
4. HEALTH CARE PLANNING
We will create a plan to help you address rising health care costs with a minimum of expense, including:
- Looking at all aspects of Medicare Part A, B and D
- Analyzing options for a long-term care plan
5. LEGACY PLANNING
It is important to ensure your hard-earned assets go to your beneficiaries in the most tax-efficient manner. By working collaboratively with a qualified estate planning attorney, our goal will be to help you:
- Keep any assets in trust and ensure they are distributed probate free to your beneficiaries
- Prevent your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death — locating and protecting every asset
We are an independent financial services firm helping individuals create a holistic retirement plan using retirement strategies to custom-suit their needs and objectives.
Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Any references to protection benefits or steady and reliable income streams refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
Legal Services
Legal services are provided by attorneys Chris Sharry and Jeff Monfette of the Sharry and Monfette Law Office.
Chris and Jeff are elder law specialists and have been admitted to the National Academy of Elder Law Attorneys (NAELA). They can help you design an estate plan that will allocate what you don’t use in your lifetime to the people or institutions of your choice and in the manner you want them to receive it.
In addition, these attorneys can help you protect what you’ve worked a lifetime to accumulate should you need long-term care.
Complimentary Consultation
The attorneys do not usually charge you for your first appointment. They will review any legal documents you already have, and learn what is important to you and what you have to protect.
They will then let you know what legal documents and/or modifications they would recommend, if any, and then quote a fee for those services. It is then up to you to decide which services, if any, you would like them to provide.
