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Get a dynamic retirement planning strategy that fits your ever-changing needs
Retirement planning is primarily based on risk tolerance. Some people are super conservative and don’t want to risk losing anything, even if that means lower financial gains. Other people are not so risk-averse and like to gamble with their money for a chance at attaining larger financial rewards.
Conservative vs Aggressive Retirement Planning
But when you’re near retirement, you must protect yourself from sudden changes in the financial market – especially during unstable economic times. You don’t have enough time to regain losses from market volatility before you retire, so you need to shift to a more conservative plan.
During your free assessment, we assess your risk tolerance and develop a plan to adjust your current portfolio to reduce costs and protect your assets from market volatility while still working towards your goals.
Access a wide range of customizable retirement planning products and services
At Apex Financial Group, we build a custom retirement plan based on your unique needs to help you enjoy lifetime income. We offer a range of retirement products and services as part of a comprehensive financial planning approach tailored to your individual needs.
- Annuities
- 401K Management
- IRAs & Roth Conversions
- Life Insurance
- Social Security Strategies
As Investment Adviser Representatives (IARs), we provide personalized financial advice and ongoing portfolio management tailored to your unique goals, risk tolerance, and financial circumstances. Part of our responsibility includes recommending and managing a broad range of investment strategies and vehicles to help grow and preserve your assets over time, including but not limited to:
- Stocks
- Bonds
- Mutual Funds
- Exchange Traded Funds
Taxes also affect retirement planning
Any comprehensive retirement plan also includes a strategy for decreasing tax liabilities. This typically includes:
Assessing the taxable nature of your current asset allocations
Strategizing ways to include tax-deferred or tax-free money in your plan
Strategize which tax category to draw income from first to potentially reduce tax burden
Discussing ways to leverage your qualified money to leave tax-free dollars to your beneficiaries
Start Reaching New Heights in Your Financial Journey
It’s never too early — or too late — to take control of your financial future so you can enjoy life on your terms. Get started today by scheduling a meeting or registering for an upcoming event.
Without the proper guidance, planning your retirement can feel like a confusing maze full of complicated details and difficult decisions. Many turns can take you down the wrong path.
Some people don’t know if or when they can retire, and some don’t realize they could have retired several years ago. There are so many options and theories about retirement, it can be very confusing.
It’s my job to answer your questions and deliver clarity. I’m dedicated to gaining high-level financial education so I can provide comprehensive advice. At Apex Financial Group, our team is here to guide you – as we coordinate with you, your tax professional, and your legal counsel – during this important journey.
I’ve helped many people who wouldn’t have been able to retire without a solid plan. I help clients develop retirement income strategies aimed at supporting long-term financial needs, with investment approaches designed to help keep pace with inflation. It’s very gratifying work.