Retirement Planning

Just as no two people have the same exact vision of the ideal retirement, there is no single tried and true method of planning for this time in your life.

So, why do many people rely on cookie cutter financial planning strategies, thinking that they’ll reach their goals?

We’re not sure either!

What we do know though, is that if your current retirement plan doesn’t have a stable foundation, then it’s not likely on track with your objectives – and because of that, you could end up with an entirely different future than the one you’ve been dreaming about.

While you may be currently saving and investing in one or more financial accounts, were these entities put in place as part of an overall strategy? Or rather, are they just simply individual options that may or may not work in conjunction with one another?

Today, there are a plethora of options when it comes to retirement plans. But if you’re building with the wrong tools – or your materials don’t mesh together – you may not be happy with the end result.

As experienced financial advisors, Frank Financial Concepts may be able to help. Depending on your specific situation and goals, we will design a plan for you using a wide variety of tools, which may include some or all of the following:

  • 401(k)s and / or other employer-sponsored accounts
  • IRAs – Traditional and / or Roth
  • Pensions
  • Real Estate Investment Trusts (REITs)
  • Annuities

Using these and other tools, we will construct a strong foundation for you to build upon, and from there, work with you on determining the best instruments for moving you towards your retirement dreams.

*Investing in Real Estate Investment Trusts (REITs) involves special risks such as potential illiquidity and may not be suitable for all investors. There is no assurance that the investment objectives of this program will be attained.

Fixed and Variable annuities are suitable for long-term investing, such as retirement investing.  Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.  Variable annuities are subject to market risk and may lose value.