Retirement planning shifts the focus from accumulating wealth to managing spending during retirement. This emphasis varies throughout different life stages, so collaborating with a trusted financial professional is vital for mapping out your long-term goals and adjusting your plan as life changes. We can help you

• Build Wealth
• Protect Your Principal
• Create Reliable Income For A Secure & Fulfilling Retirement.

As you consider your retirement income sources—like qualified retirement plans, Social Security, and personal savings—it’s essential to estimate how much you’ll need. With longer life expectancies, planning for a stable and secure retirement with an intentional income plan has never been more crucial. Comprehensive financial planning strategies can result in powerful benefits for your overall financial picture.

Retirement introduces new financial challenges, primarily the loss of employment income as you shift from accumulating wealth to spending and distribution. Effective income planning becomes essential to safeguard your nest egg during this transition.

When planning for retirement income, we focus on key questions, such as how much you can withdraw annually without risking depletion, how to align your investments with market risks and income needs, and strategies to protect your assets from inflation and market downturns. Additionally, we help you determine the best time to collect Social Security benefits, ensuring you have a comprehensive strategy for drawing income from your investments for a successful retirement. By working with our team, you can receive a personalized retirement income planning projection that can serve as a guide to keep you on track.

Becoming Medicare eligible can raise many daunting questions, such as:

• What does Medicare cover?
• What does it not cover?
• When can I enroll?
• Should I choose a Medicare Supplement or Medicare Advantage Plan?

We prepare you for these important, time-sensitive decisions through a structured process:

EDUCATE: We simplify Medicare’s complexities, ensuring you understand coverage and costs.

COMPARE OPTIONS: We provide options from top companies, helping you decide between Medicare Supplement and Medicare Advantage plans, including prescription coverage.

PLAN: With time-sensitive enrollment windows, we help you map out what to do and when.

ENROLL & MONITOR: : As you approach your 65th birthday, we’ll have everything ready and continue to monitor your situation for any necessary adjustments.

At True Financial Partners, we view estate and legacy planning as essential to a solid financial plan. A well-constructed estate plan protects you during your lifetime and determines how your assets will be handled after your passing. It designates who will manage your affairs and make important medical decisions if you are unable to do so.

We help clients navigate common estate planning questions and challenges, including the differences between wills and trusts, common mistakes in planning, and whether a trust is necessary. We also address the IRA tax implications related to your estate. Whether you already have an estate plan or are just starting, we collaborate with you and your legal professionals to create a legacy plan aligned with your goals.