It’s never too soon–or too late–to think about what lies ahead for you and your loved ones.
Your ROI Financial plan includes detailed recommendations to help you retire comfortably and on schedule, whatever that means to you. The process includes a comprehensive analysis of your current financial trajectory and your estimated retirement needs. Then, we get to work to align your saving and investing strategies with your dreams. Usually, this is easier than people imagine. For example, taking better advantage of tax shelters such as Roth IRAs, 529 plans, health savings plans, and allowable write-offs saves you money each year. Investing these savings can help secure the future you want.
of 50-64 year-olds
don't have a formal retirement plan
average age people
start saving for retirement
of retirees say they
waited too long to start saving
Source: HarborLife Settlements
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Frequently asked questions about retirement planning
During our working years, most of us spend more time thinking about what we want to do in retirement than we do about how to fund it.
Once we've retired, many of us are worried about making mistakes when it comes to withdrawing from our savings.
Retirement is more complicated than it sounds. For starters, retirement accounts such as 401(k)s and IRAs have specific withdrawal requirements. Then there's Social Security: when you start taking it impacts how much you get. And common decisions like downsizing a home, selling assets, moving abroad, and supporting adult children can have big effects on both your taxes and savings.
At ROI Financial Advisors, we do the numbers, so you don't have to. Whether you're planning for retirement or already drawing from your retirement savings, we can help you navigate the complexity and protect yourself from running out of money.
This is everyone's big question, but there is no magic number that works for everyone or every situation.
What YOU need to feel comfortable and secure in retirement is different than what someone else needs.
At ROI, we'll help you find the number and create a plan to get you there steadily, over time.
We especially love working with young-to-mid-career individuals. Why? Because it’s such a great time for people to realize they can control their narratives and their future happiness.
YOU CAN control your destiny, and the very first step is to start dreaming big, right now. The next step is to start turning those dreams into an actionable plan. That's where we come in. At ROI, we can help you move in the direction of your dreams, and we help you do it in your own way, because it’s your money and your life!
We understand that you may feel you're too far behind to catch up, or that you're never going to be able to retire.
You're not alone.
More than HALF of working people in the U.S. say they are behind in saving for retirement. More than 30% say they have nothing saved for retirement.
Here's the thing–there is always something we can do.
None of us can change the past and none of us at ROI is going to greet you with shame, blame, or judgment. You've been working your whole life and you deserve to sleep at night.
If you're ready to start looking at your financial picture and making decisions to bring you peace of mind, then we're ready to help. We can help you feel in control, comfortable, and secure about retiring.
Congratulations! While you may not need a retirement plan that focuses on saving money to retire, you might benefit from a plan that addresses how to live well while keeping more of what you worked so hard to save.
Now is the time to rebalance your assets, and we can advise you on how to do so. We can support you with tax strategies for your retirement draws. Many people want to ensure they can leave something behind for their children, and we can help provide strategies that will allow you to stay comfortably retired while preserving some of the wealth you've built to pass on to your kids.
If you wish, we can also take over managing your investments, so you can spend less time looking at stock reports and more time enjoying your retirement!