The saving phase begins when you enter the workforce. This is the time when you begin accumulating assets for your future. While retirement may not be your primary financial goal, it is imperative to start investing for it.


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The transition stage begins when you are approximately 10 years away from retiring. In this stage, we help you establish your specific retirement goals, implement appropriate strategies, and design a retirement-focused portfolio. The planning work completed at this stage is absolutely crucial to your having a successful retirement.



Early Retirement

The early retirement phase is the first step of the “spending phase.” These are often referred to as the "go-go years" of retirement and are typically the most active years of your retirement. With all of the planning started in the transition stage, this “big leap” is not as big as you originally thought or feared.




This phase is often referred to as the "slow-go years.” Life is full of activities, but not as "go-go" as before. Your retirement plan is in "full swing" and you have accomplished many of your goals, but there are still plenty of goals to achieve. It is important that your portfolio continues to provide a rising income so that you can pay for your life. It is important to continually update your plan, strategies, and portfolio.



Late Retirement

This phase is often referred to as the "no-go years." You are spending more time in your community and traveling less frequently than in the past. Hopefully, you are living independently, but some will need assistance. Congratulations on a great retirement. We have been there with you each step of the way, Simplifying your Retirement Journey.