Living In Retirement
Live Confidently in Retirement and Be Prepared for the Unexpected.
Create a Roadmap for Retirement Success
Your retirement years can and should be filled with quality family time and activities that bring you joy, but most retirees have financial concerns that get in the way. They might include how to manage financially without a paycheck, how to handle former employer benefits and retirement plans, when to begin Social Security and Medicare, or the possibility of a bear market early in retirement. We also can’t ignore potential aging issues. HTG helps you prepare for and address unplanned events in retirement – rising living costs due to illness, long-term care needs, and the death of a spouse– to ensure that your finances can weather the unexpected.
Withdrawal Strategy & Tax Optimization
Estate Planning
Investment Risk & Allocation
Progressive Healthcare Needs
Get the Guidance and Support You Need to Live Confidently in Retirement
Get Organized and Gain Clarity
To begin, we gather pertinent information to better understand the opportunities and risks you face. This includes organizing financial and non-financial information and exploring your goals and priorities.
HTG is a sounding board and guide, so you spend less time worrying and more time doing the things you love.
We help by:
- Organizing pertinent information and accounts
- Identifying priorities and goals
- Being an impartial sounding board
Strategize and Plan
Through our comprehensive financial planning process, we will analyze and quantify your current situation and evaluate tradeoffs to ensure you can live comfortably in retirement. We also stress-test your plan to account for unanticipated events such as progressive healthcare needs and increased longevity.
We help by:
- Providing a vision of your financial future
- Stress-test your plan for unexpected events
- Outlining options for addressing these unexpected events
Execute and Monitor
We guide you through your plan implementation, monitor your progress, and make adjustments as needed, keeping you accountable and on the right path.
Our commitment to you is ongoing. We stay in touch regularly to incorporate new changes in your life and reevaluate your financial plan as needed.
We help by:
- Implementing your plan
- Monitoring progress
- Keeping you on track
START TODAY!
Get the Guidance and Support You Need to Live Confidently in Retirement
Schedule an introductory call to discover how HTG can give you the support you need in retirement.
Success Stories
Sharing Substantial Wealth and Creating a Legacy
As Mary approached her 75th birthday, she wanted to gain a better understanding of the financial wealth she had accumulated so that she could develop and communicate her plans to her three grown children and her two favorite charities.
Diminished Capacity
John and Ellen had always independently managed their finances. Now that they were approaching age 80 and Ellen had recently started to experience early signs of dementia, the couple approached HTG for help planning for future care expenses and managing their assets. They wanted Ellen to remain in their home as long as possible. They planned to eventually move to a continuing care facility where John could live in an independent apartment and visit Ellen daily within the community.
New Widow
Mia lost her husband Edward suddenly and was thrust into making decisions about his estate which were interlaced with her current and future needs. Edward’s estate was approximately $5 million and together they had over $9 million in assets. She was unclear how her income would change with Edward’s death and, at age 76, unsure what she would need for her lifetime. Mia had the opportunity to disclaim some assets and wanted to understand how much she could afford. She came to HTG to understand her new financial...
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Our Services
An integrated planning and investment approach with you at
the center.
