Retirement planning is perhaps the most active area of financial planning. Retirement planning engagements could vary from providing specific advice on a particular retirement decision (for example, should the client accept an early retirement package?), to developing a complete retirement plan. A client might seek advice from us when he or she is 30 years away from retirement, the month before he or she retires, or even after retirement. We specialize in both Pre and Post Retirement Planning Strategies.

Our role in retirement planning goes beyond merely analyzing a client’s existing resources and determining how much must be saved to reach a particular level of projected retirement income. We assist our clients in developing realistic retirement objectives and lifestyles, and to help ensure that our clients are aware of the decisions and adjustments that he or she may have to make at retirement. We want to be able to help him or her retire to something, not just from something.

Examples of the services that we provide include the following:

• Showing clients who are in their early working years the benefits of identifying retirement objectives, and starting to save and invest early
• Monitoring current portfolio selections
• Recommending proper Asset Allocation of portfolio’s to match with client’s objectives
• Showing clients who are in their peak earning years the importance of accumulating sufficient retirement resources and investing them appropriately
• Reviewing existing resources and pension plan memberships, and projecting the savings required to reach retirement objectives
• Advising clients approaching retirement about the financial and other adjustments that they will face at retirement
• Advising clients regarding their distribution options of pension benefits.
• Evaluating the advice that a client receives from other retirement advisors, to ensure that it is consistent with his or her overall retirement plan
• Advising clients who have retired about liquidating assets to meet retirement living expenses

At Hamon Financial Group, we can customize your retirement plan to match your goals.