Keys to Retirement Planning

Thoughtful planning and careful execution are crucial to realizing your long-term financial goals. A well-crafted retirement plan can mean the difference between peace of mind and uncertainty in your later years. At Lifetime Wealth Solutions, we bring the experience and insight needed to help you navigate these complex financial decisions that shape your future for years to come. Here are few key things to keep in mind as you put together your plan:

Risk Analysis

Is your portfolio in line with your overall risk tolerance and time horizon? Market fluctuations and changes in interest rates can significantly affect your assets now and in the future, which means impacting the income you can rely on when you need it.

Tax Bracket Management

Are you taking your tax bracket into account to maximize the tax-efficiency of your contributions and distributions? Strategically planning your income streams over time can result in significant tax savings in the long run.

Income Planning

How much reliable income do you have in your portfolio? Successful retirement is about income even more than it is about assets. A good retirement plan includes income strategies that balance predictability, flexibility, and longevity.

Roth Conversions

Have you looked at Roth Conversions to lower the tax liability on your IRAs? Roth Conversions can be a great tool to create tax-free income in retirement.

Beneficiary Designations

What happens to your assets when you’re gone? Sometimes things change in life, and periodically reviewing your beneficiaries is important ensure that your assets are transferred according to your wishes when you’re gone.

Long-Term Care Planning

What happens if you get sick? One in three American couples will encounter a Long-Term Care event in their lifetime. The good news is that there are a variety of ways to position your assets to be well-prepared for these unfortunate and costly circumstances if needed.

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We believe that everyone deserves a clear, confident path to financial security—no matter where you’re starting from. We work closely with individuals, families, and small business owners to create a financial plan that reflects your values and goals, while offering the practical strategies you need to get there.

From retirement income and investments to tax-efficient solutions and legacy planning, we’re here to help you create a plan that protects what you’ve built and helps you achieve your financial goals.

In pursuit of True Wealth, Forrest Millheim, CLTC | Bart Zandbergen, CFP