Retirement Planning

Preparring for the road ahead...

What is Retirement Planning? To start, it is simply being able to answer 5 key questions:

  1. What age should/can I retire?
  2. How much money will I have at retirement?
  3. How much money will I need throughout retirement?
  4. What's the difference between how much money I will have and how much I will need?
  5. What are my options to improve my retirement?

If you don't know the answers to the questions above, we can help you gain the knowledge to do so.

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Regardless of your age or the planning stage you're in, we can assist you with:

  • Providing Current & Future Retirement Income Needs Analysis
  • Understanding Your Retirement Options
  • Creating or Reviewing Your Retirement Plan
  • Retirement Income Goal Setting
  • Maximizing your Employer Benefits
  • Evaluating Supplemental Retirement Options
  • Addressing Inflation's Impact on you retirement
  • Calculating Your Retirement Age
Retirement Planning

4 Stages of Retirement Planning

There are four basic stages of Retirement Planning, Just Starting, In the Process, Approaching Retirement and Retired. Each stage of the planning process poses its' own challenges and should raise many questions. It's important you know the stage you're in and the options available to you.

We can assit you with determining your planning stage, gaining the knowledge needed to transition to the next stage and how to avoid common planning mistakes.

Get started with our "no pressure","non salesy", "personalized" strategic planning process, which consists of:

In-depth Process Review

We get to know you and what you're looking for when it comes to retirment.

Calculated Needs Analysis

Based on our Process Review, we'll go over your specific retirement needs.

Detailed Asset Assessment

We'll go through your assets and help assess their value and present these results to you.

Systematic Goals Evaluation

We'll go over each of your goals and provide the best possible feedback.

Plan Establishment

Everything works better with an action plan! We'll establish a plan and course of action.

Phase 1 - Just Starting

If you do not have answers to any of the questions in the Basics section, you are in the Just Starting stage of the planning process. Depending on your age, "time" is often an asset that can pay dividends down the road. Waiting to begin a savings plan can have a huge impact on results.

Retirement Planning - Just Starting

Phase 2 - In The Process

Being in this stage of the Retirement Planning process can mean many things. Most often our clients feel they are in this stage when they have established the basic framework of a plan and started saving for their retirement income needs.

Retirement Planning - In The Process

Phase 3 - Approaching Retirement

Approaching Retirement can be an exciting, and sometimes stressful stage in the planning process. We find that most of our clients have many questions and concerns in this stage, such as:

  • Can I retire at my desired age?
  • have I saved enough?
  • How long will my money last?
  • When/How do I file for my Pension and/or Social Security benefits?
  • How do I maximize my Pension or Social Security benefits?
  • Which assets are taxable?
  • Will I need Long Term Care?
Retirement Planning - Approaching Retirement

Phase 4 - Retired

Now that you have reached retirement, the planning process may still continue. Typically, knowing how and when to activate your various sources of money is the primary focus.

Retirement Planning - Retired

I am ready to discuss my retirement planning!

About Us

Based in beautiful Southern California Wine Country, Calculated Insurance was founded in 2006 and incorporated in 2009.

Get In Touch

28936 Old Town Front Street
Suite 206
Temecula, CA 92590