Oakland and Berkeley Retirement Financial Advisor – A Custom Ongoing Advice Plan For You. Hourly Fee Only.
Retirement is a welcome and expansive stage of your life. The what and how of your retirement is an exploring unique to you. No one else is going to follow your path. Because of this uniqueness, there really is no cookie-cutter approach in financially planning for your retirement era.
Our approach is to customize every step, every process of the retirement funding plan and the execution of that plan. Our Oakland and Berkeley retirement financial advisors are very skilled and resourceful in crafting the best-for-you Retirement Financial Plan, including select investment strategies that serve your specific needs, time line and risk tolerance.
Your Retirement Future — Your Detailed Definition
Determining your detailed definition of retirement is the first step your MWA advisor takes with you. This is an exploring time, with full rein given to dreams and pragmatics. During this session we take careful note of all that you want to do or achieve in retirement years. This can include life passions, travel, further education or service goals, family time and much more.
This session is collaborative, so as we listen and note your goals and interests we’re able to help explore everything you want to do or need, and then discuss the most comprehensive, well-researched strategies on retirement funding available now that will best perform for you.
Planning Retirement
with a Holistic View
Our approach to your retirement is based on a deep understanding of your financial life. Not only do we take into account other important financial goals you may have in addition to retirement, such as paying for a child’s education, or buying a vacation home, we also account for the changing and evolving needs in retirement.
Retirement Savings & Spending
Saving is the single most important factor in planning for retirement. The earlier you start, the better you can benefit from compounding, and maximize the amount you save over time. We work with you to review and optimize your savings and spending rates, to help you align with how much you will need in retirement. Our Berkeley and Oakland retirement financial planners (advisors) can help you with your overarching plans for savings and spending.
Investment Management
Maximizing the benefits of your employer–sponsored plans such as 401(k), 403(b) or 457, and tapping into other tax-advantaged plans such as IRAs and business retirement plans is one of the best ways to accumulate retirement savings. By undertaking a review of your tax-advantaged and your taxable portfolio, we help you allocate your assets in the most effective manner.
Planning for Longevity
While no one knows how long they’ll live, if you’re in good health, have longevity in your family and live a healthy lifestyle, there’s an excellent chance that you or your spouse could live to 90 or beyond. Together we can help you plan for these added years.
Our Responsibilities as a Fiduciary
As Oakland and Berkeley retirement financial advisors, we believe in placing our client’s best interests first. Therefore, we commit to the following five fiduciary principles:
- We will always put our client’s best interests first.
- We will act with prudence; with the skill, care, diligence, and good judgment of a professional.
- We will not mislead you. We provide conspicuous, full and fair disclosure of all important facts.
- We will avoid conflicts of interest.
- We will fully disclose and fairly manage, in your favor, any unavoidable conflicts.