Retirement Planning Services
Live Life on Your Terms
Helping Shape Your Future with Retirement Planning
Our method in retirement planning not only is built to help safeguard your later years but it can also help with improving your fiscal resilience. Every retirement dream is personal, and our services are shaped to match the contours of your aspirations — be it accumulating a substantial nest egg, smoothly transitioning into retirement, or living your best life post-career.
Schedule a No Obligation Complimentary Assessment Today
“We have been clients of Jeremy and the Riverbend team for over two years. We continue to be very impressed with the financial planning expertise and customer service provided by Riverbend…”
– John Houck
“We met with Jeremy today for a free consultation. He is awesome! Gave us some great short-term and long-term advice on retirement planning. No sales pitches or pressure to use their services. We really felt like he just wanted to help us. Highly recommend!”
– Jean Hiers
“I highly recommend Jeremy & his team at Riverbend Wealth Management. This team is honest and conduct business built on integrity and a high level of customer service.”
– Daniel Grossi
Explore New Horizons in Retirement Savings Plans
Our retirement planning services are designed to be reflective of your goals and are aimed at weaving your financial security tightly into the fabric of your future ambitions. We strive to provide you with strategies that can help you work towards a retirement that aligns with your unique vision and values.
Core Values of Riverbend Retirement Planning
Personalization
We customize every retirement plan to reflect your personal goals, aiming to create a path that’s uniquely yours.
Long-Term Vision
Our strategies are designed to help protect against future uncertainties, with a goal of helping helping you on your financial journey.
Holistic Approach
We look at the big picture, integrating all aspects of your finances for a cohesive retirement plan.
Transparency and Trust
Our commitment to transparency fosters trust, ensuring you’re informed and confident in your retirement journey.
Sustainable Growth
We focus on sustainable growth strategies to support your lifestyle throughout retirement.
Comprehensive Services for
Strategic Retirement Planning
Retirement Income
Crafting strategies that aim to facilitate a steady flow of income throughout retirement years.
Social Security Optimization
Helping maximize social security benefits by determining the best time and way to file.
Investment Management
Tailoring investment portfolios to balance growth and risk as retirement approaches.
Tax
Planning
Helping minimize tax liabilities to potentially increase retirement savings and income efficiency.
Healthcare Planning
Preparing for healthcare costs, including Medicare and long-term care insurance strategies.
Estate
Planning
Helping to preserve your assets and pass them on according to your wishes with minimal tax impact.
Account Management
Managing and analyzing IRAs, 401(k)s, and other retirement accounts for growth and distributions.
Risk Management
Identifying and mitigating potential financial risks that could impact retirement security.
Budgeting and Cash Flow
Creating a budget to manage expenses and cash flow throughout your entire retirement.
Legacy Planning
Establishing a plan to leave a financial legacy to loved ones or charities.
The information in this material is not intended as tax or legal advice. Riverbend Wealth Management and Stratos Wealth Advisors do not provide tax advice. Please consult legal or tax professionals for specific information regarding your individual situation. Asset allocation does not ensure a profit or protect against loss.
Retirement Planning for Various Life Stages
We recognize that every retirement dream is as personal as the individual dreaming it. Our knowledge in retirement planning is demonstrated by tailoring strategies that both meet your specific financial goals and adjust to life’s changing phases and economic shifts. Whether you’re a mid-career professional maximizing savings, a pre-retiree fine-tuning your financial future, or a high-net-worth individual ensuring your wealth sustains your lifestyle and legacy, our knowledge is dedicated to making your retirement visions tangible.
Mid-Career Professionals
For those in the heart of their careers, now is the prime time to solidify your retirement plan. We are experienced in strategies that are designed to help improve your savings potential during these peak earning years, with a goal of creating a solid foundation for the future.
Let us guide you through analyzing your retirement savings, with the objective of you being aligned with your future retirement goals.
Pre-Retirees
We understand the nuances of transitioning from saving to spending your retirement funds. We’ll work with you to adjust your strategy, aiming to support a steady income in retirement. We’ll also strive to help monitor your investments so they are appropriately aligned with your upcoming lifestyle changes and risk tolerance.
High-Net-Worth Individuals
For affluent individuals, retirement planning goes beyond basic savings — it involves preserving and enhancing a lifestyle, managing wealth for future generations, and fulfilling philanthropic aspirations.
We offer strategies designed to help protect your wealth and support your retirement lifestyle, estate planning, and legacy goals. Allow us to assist you in working towards preserving your financial legacy, tailored to the high standards you’ve set.
Retirees
For retirees, the focus shifts from accumulating wealth to strategically managing and distributing your assets to support your desired lifestyle. We understand the complexities of navigating this new financial landscape.
Our retirement planning strategies are designed to help you analyze your income sources, adapt to changing tax implications, and aim to have your assets working effectively for you, so you can fully embrace this new chapter of your life.
Why Choose Us
Our advisors bring a wealth of experience, genuine understanding, and personalization to your retirement planning journey. Moving beyond the realm of conventional retirement planning, we join forces with you on a collaborative expedition to carefully shape your financial future and legacy.
Fiduciary
We, along with all investment advisory representatives, are fiduciaries and, as such, we are required to put the interests of our clients ahead of our own.
Fee-Only
We are paid directly by you and do not receive commissions.
Experienced
Our team, led by Jeremy Finger who has obtained the CERTIFIED FINANCIAL PLANNER™ and Certified Investment Management Analyst (CIMA®) designations, has decades of combined experience helping clients achieve their financial goals
Customization
We believe every person is unique and deserves a tailored plan that matches their specific needs and objectives.
Relationship
We utilize Fidelity as our custodian and have access to some of their resources as part of that relationship.
Let's Build Your Future Together
Embrace the ally your retirement visions deserve. Engage with Riverbend Wealth Management and discover how our retirement planning services can help you better understand your financial landscape. Together, we believe, we can help you pave the path to lasting financial serenity and achievement.
Frequently Asked Questions
Who can help plan for retirement?
Retirement planning can be effectively assisted by financial advisors, retirement planners who have obtained the CERTIFIED FINANCIAL PLANNER™ designation, who are experienced at creating strategies that are designed to help achieve retirement goals. These professionals offer personalized plans tailored to individual financial situations and retirement objectives.
What are the three main types of retirement plans?
The three main types of retirement plans are:
- Defined Benefit Plans: Traditional pension plans that pay a fixed, pre-determined benefit at retirement based on salary and years of service.
- Defined Contribution Plans: Retirement savings plans such as 401(k)s and 403(b)s, where the contributions are defined, but the future benefit varies based on investment performance.
- Individual Retirement Accounts (IRAs): Personal savings plans, including Traditional and Roth IRAs, offering tax advantages for retirement savings.
What is the 4 rule in retirement planning?
The 4% rule in retirement planning is a guideline suggesting that retirees can withdraw 4% of their retirement savings in the first year of retirement and adjust the amount for inflation each subsequent year. This strategy is designed to help the retirement savings last for at least 30 years.
What are two popular personal retirement plans?
The two most popular personal retirement plans are:
- Traditional IRA (Individual Retirement Account): Allows pre-tax contributions to grow tax-deferred until withdrawals begin, which are then taxed as income. Find additional information about limitations of both IRAs and Roth IRAs.
- Roth IRA: Offers tax-free growth and tax-free withdrawals in retirement, provided certain conditions are met, with contributions made with after-tax dollars.
What are the most common financial mistakes pre-retirees can make?
Pre-retirees can make several common financial mistakes, including:
- Not creating a comprehensive retirement plan.
- Delaying the start of their savings.
- Underestimating healthcare and long-term care costs.
- Not fully utilizing tax-advantaged retirement accounts.
- Overspending on unnecessary expenses.
- Maintaining costly recurring payments.
- Relying too much on credit cards for everyday expenses.
- Purchasing expensive, high-maintenance vehicles.
- Overspending on housing and related costs.
- Using home equity for non-essential spending.
For more details, you can read our full article on these common financial mistakes.
Please consult legal or tax professionals for specific information regarding your individual situation.
Fidelity Investments® (“Fidelity”) is an independent company, unaffiliated with Riverbend Wealth Management. There is no form of legal partnership, agency affiliation, or similar relationship between your financial advisor and Fidelity, nor is such a relationship created or implied by the information herein. Fidelity has not been involved with the preparation of the content supplied by your advisor and does not guarantee or assume any responsibility for its content. Fidelity Investments is a registered trademark of FMR LLC. Fidelity provides clearing, custody, or other brokerage services through National Financial Services LLC or Fidelity Brokerage Services LLC, Members NYSE, and SIPC. 1148810.1.0
