You only get one retirement. Are you ready?
Saving got you this far. Strategy helps you prepare for what comes next."Should I worry about running out of money?"
It’s the question that keeps many retirees up at night. You’ve done the math, run the projections, and the numbers should work. But “should” isn’t the same as “will,” and this is one area of life where you don’t get a second chance.
Here’s the good news: there are strategies that may help improve the likelihood of meeting your retirement income goals. We’ll show you what those look like for your situation.
You did everything you were told to do — contributed to your 401(k) or IRA, made the most of every match, and watched your nest egg grow. But now it looks like required minimum distributions (RMDs) may push you into higher tax brackets and potentially more expensive Medicare premiums than you’d anticipated. And that can reduce the amount of income available to support your retirement lifestyle.
Depending on your circumstances, there may be strategies that can help address these challenges, including improving tax efficiency, managing the impact of Medicare premiums, and supporting tax-efficient wealth transfer planning.
"Did I save TOO much in the wrong accounts?"
"Did I save TOO much in the wrong accounts?"
You did everything you were told to do — contributed to your 401(k) or IRA, made the most of every match, and watched your nest egg grow. But now it looks like required minimum distributions (RMDs) may push you into higher tax brackets and potentially more expensive Medicare premiums than you’d anticipated. And that can reduce the amount of income available to support your retirement lifestyle.
Depending on your circumstances, there may be strategies that can help address these challenges, including improving tax efficiency, managing the impact of Medicare premiums, and supporting tax-efficient wealth transfer planning.
WE STRIVE TO PROVIDE CLEAR, CANDID FEEDBACK—SOMETIMES THAT SIMPLY ACKNOWLEDGES, “YOU’RE ALREADY ON THE RIGHT PATH.”
Before you book a call, ask yourself one question:Are you open to looking at your retirement strategy with fresh eyes — even if it means hearing something different from what you’ve heard before?
That’s really all we ask. We’re not here to replace a plan that’s already working. If we don’t think we can add meaningful value to your current plan, we’ll tell you that upfront. But if we think we can help, we’ll tell you how.
Either way, you’ll get an honest answer.
No pitch. No pressure. We’re just here to talk.
Your first conversation with us isn’t a sales call. We don’t offer or recommend any products or services on this call. Our goal is to learn about you.
We want to know:
Where you are now.
Whether you’re years away from retirement or years into it, we begin by reviewing your current situation and goals, how you are positioned, and anything that could put your plan at risk. That way, we can better understand your specific needs.
Where you want to be.
Some people are already well-positioned and an assessment of whether they appear to be on track to meet their goals. Others may find there’s a gap between their current plan and their desired future. Either way, you’ll know where you stand.
What matters to you.
We want to know what your ideal retirement looks like. What will getting it right mean to you? And what happens if you get it wrong?
Meet Stephen Mazer
Many financial planning conversations focus on building wealth. Stephen’s focus is on helping clients navigate retirement distributions.
Stephen’s background spans investing, trading, insurance, and banking, experiences that taught him how to look at all sides of a possible solution and weigh the consequences. He brings his ability to explain the pros and cons of different approaches to every conversation.
There’s rarely a single “right” answer in retirement planning. Our conversation isn’t designed to lead you toward a predetermined solution. It’s to show you your options, so you can make an informed choice based on your needs. Stephen believes people make better decisions when they understand the potential benefits and tradeoffs behind each one.
Every retirement strategy should reflect your goals, resources, and comfort with risk. Today’s planning approaches generally offer more flexibility than ever before, allowing strategies to be tailored to a wide range of retirement objectives.
A well-designed retirement strategy can help address two common retirement planning challenges many people face in retirement: helping support your income needs throughout retirement, and managing the tax impact of retirement income and wealth transfers.
If you haven’t reviewed your retirement strategy recently, it may be worth taking another look. We’ll help you understand your options and determine which strategies, if any, make sense for your situation.
Retirement strategies, tailored to your needs.
Retirement strategies, tailored to your needs.
Every retirement strategy should reflect your goals, resources, and comfort with risk. Today’s planning approaches generally offer more flexibility than ever before, allowing strategies to be tailored to a wide range of retirement objectives.
A well-designed retirement strategy can help address two common retirement planning challenges many people face in retirement: helping support your income needs throughout retirement, and managing the tax impact of retirement income and wealth transfers.
If you haven’t reviewed your retirement strategy recently, it may be worth taking another look. We’ll help you understand your options and determine which strategies, if any, make sense for your situation.
Real lives. Real decisions.
Every retirement looks different. See examples of retirement planning decisions and the strategies considered.
You only get one retirement. We’re here to help.
One conversation about where you are now and where you want to be can help you begin to understand your options.
Important Disclosures
Retirement planning strategies should be tailored to your individual goals, financial circumstances, and risk tolerance. Not every strategy discussed will be appropriate for every investor. Any discussion of tax strategies is for informational purposes only and should not be construed as tax advice. Consult your tax adviser regarding your individual circumstances.
Investing involves risk, including the possible loss of principal. Retirement planning strategies should be evaluated based on your individual goals, objectives, and risk tolerance.
Case studies are provided for educational and illustrative purposes only. They are not testimonials or endorsements and are not intended to predict or guarantee future results.
Investment advisory services are offered through Investment Adviser Representatives (“IARs”) registered with Mariner Platform Solutions (“MPS”), an SEC-registered investment adviser. IARs typically operate through separately owned business entities that may use distinct trade names, logos, and websites to market advisory services offered through MPS. These entities are generally owned by one or more IARs associated with MPS.
For additional information about MPS, including its fees and services, please contact MPS or refer to the applicable entity’s Form ADV Part 2A, available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov. Registration as an investment adviser does not imply any specific level of skill or training. MPS does not provide legal or tax advice.