Roadmap Financial

Throughout your working life, you receive a regular paycheck. When you retire that paycheck will either stop or be reduced, then what? Making sure your assets can generate the retirement income stream you need today and keep up with the rising cost of living requires expert planning.

Which income streams do you have control over? Some like Social Security and pensions are automatic. Others like distributions from your retirement and investment accounts or annuities require specific decisions as to when and how much you should take out. Some of your accounts may allow you to take a lifetime income stream that you can’t outlive.

Helping you plan your income in the most tax efficient manner to meet your needs involves a well thought out plan to evaluate your special needs concerning risk of assets, when to begin receiving Social Security benefits, liquidity needs for emergencies, and feeling comfortable with the possible changes in your income needs due to changes in the cost of where you live or changes in the cost of your health care.

You will be faced with many tough questions and others that require serious thought and planning. A review of our Retirement Quiz will help you know many of the questions you must answer.

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This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, or accountant.

Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through Trust Company of America, TD Ameritrade, Jefferson National Life Insurance Company.

Your investment advisor may recommend third-party money managers who utilize investment strategies designed to minimize portfolio volatility and reduce the risk of declines in account values. Like any other investment strategy, this approach entails risks, including the risk that client accounts can still lose value and the risk that a defensive position may, at any given point in time, prevent client accounts from appreciating in value.

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