Retirement Planning

No matter what your vision of retirement is, we'll help you get there.

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Retirement Planning at Finivi

In the past, you worked, you saved, you retired -- and, in that world, providing linear retirement planning solutions for that straightforward path was sufficient. We know that this isn’t the world we live in anymore, as the very concept of retirement is being re-defined, and so has our approach to traditional retirement planning.

What's your definition of retirement?

Whether you’re planning a more traditional retirement, semi-retirement, early retirement, a series of mini rolling retirements, or are thinking of taking a sabbatical, you came to the right place. Our financial advisors will help you design your ideal life by helping you maximize the financial resources you have while planning for any unforeseen challenges life might throw your way.

Our fee-based, in-person, or virtual retirement planning services provide you with unbiased guidance and actionable advice in all areas of planning and investing for whatever your version of retirement may be.

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Retirement Planning Process

Define Your Retirement Vision and Lifestyle

  • Explore your desired timeline & lifestyle
  • Estimate the cost of living your preferred life
  • Review “what if” scenarios

Examine Your Current Financial Situation

  • Review your financial and other assets
  • Evaluate income sources & liabilities
  • Review current investment strategies, risk management, and tax status

Create Actionable Financial & Investing Strategies

  • Properly link your savings and investment strategies to your income and lifestyle goals
  • Develop a step by step guide with checkpoints to get you to where you want to be

Monitor and Update Your Plan

  • Provide ongoing guidance and coaching to help you stay on track
  • Monitor and adjust your financial plan, income and investment strategies as your life evolves and circumstances change

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Our retirement planning services also include (1) Helping you determine at what age can you realistically retire with your desired lifestyle, (2) Social Security claiming strategies, (3) Planning for post-retirement healthcare costs, (4) Creating the income you need to live the lifestyle you want, (5) Survivor income options and (6) How to appropriately invest your retirement plan assets.

Social Security Retirement Income

Your Social Security retirement benefits are primarily determined by how much you earned while working and when you ultimately elect to begin receiving benefits. However, there are many other nuances that should be considered before making your election that could make a substantial difference in your lifetime benefits.

Social Security Claiming Strategies Review

Whether you are married, single, divorced or widowed, and are thinking of retiring this year, next year or in a few years, a Social Security Claiming Strategies Review can help you better understand what benefits you are eligible for, the claiming options available to you, and the right time and manner to file that maximizes your Social Security income and best fits your needs.



Here is what’s included:

A customized report that will help answer these key claiming questions:

  • What will my benefits be under various claiming scenarios?
  • What are the pros and cons of delaying my benefits filing?
  • How do cost-of-living adjustments impact my benefits?
  • How do Medicare premiums impact my Social Security payments?
  • How would continuing to work after claiming impact my benefits?
  • Will my benefits be subject to income taxes?
  • How do I maximize survivor benefits available for my spouse?

A 30-Minute telephone or video conference with a financial planner

  • Review your claiming strategies report and answer your questions
  • Discuss the five key factors you need to consider before claiming
  • Discuss strategies to reduce or eliminate taxes on your benefits
  • Review the benefit claiming process
  • Discuss your action steps moving forward

Depending on your individual needs, your review may also cover:

  • How divorce impacts spousal benefits
  • What to do if your spouse or former spouse dies
  • How remarriage affects your survivor benefits from a former spouse

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Post-Retirement Planning

Learn how your spending patterns, investment decisions, plans for managing unforeseen healthcare costs, and the way you're drawing income from your retirement assets can have a significant impact on your retirement lifestyle and how long your retirement funds may last. Get the answers you need to make smarter post retirement planning choices along with actionable advice on how to maintain, or even improve your retirement lifestyle.


Here is what you will learn:

How can I generate the income I need to maintain the lifestyle I desire?

  • How do Required Minimum Distributions (RMDs) work?
  • How much can I safely withdraw from my retirement plans each year?
  • How do I prioritize which assets to utilize in my distribution plans?
  • What impact will different withdrawal amounts and investment returns have on my ability to generate a lifetime income?

How can I generate the income I need to maintain the lifestyle I desire?

  • Am I taking more risk than necessary with my retirement funds?
  • How should I invest my retirement assets to best achieve my income and lifestyle goals?
  • Am I paying too much in investment management fees?
  • How do I handle that annuity I purchased from my broker?
  • How are my retirement funds performing?

What happens if I pre-decease my spouse or if I lose my health?

  • How should I plan for potential unforeseen healthcare costs?
  • Will my spouse have enough income if I predecease him/her?
  • How can I protect my retirement funds and other assets if I (or my spouse) need some form of long-term health care?

How can I reduce or eliminate taxes on my Social Security benefits?

  • Review your claiming strategies report and answer your questions
  • Discuss the five key factors you need to consider before claiming
  • Discuss strategies to reduce or eliminate taxes on your benefits
  • Review the benefit claiming process
  • Discuss your action steps moving forward

Learn More >>

Our Recent Articles on Retirement Planning

How to Retire in 20 Years or Less

Have you ever thought about how many more years you have to work? For someone in their mid-20s, you could have a long way to go considering the official retirement age is 65. That’s forty more years of working in a job you may not love, or forty more years of being obligated to show…

The Freelancer’s Guide to Saving For Retirement

As a freelancer, you have full and total control over your work. You decide what you do, where you do it, and how you get things done. The freedom and autonomy are attract many workers to self-employment in the first place. But if you already freelance, you know this line of work doesn’t come without a…

When Your Biggest Financial Goal Gets Real: What to Think About Before You Retire

When you were in your 20s and 30s, retirement seemed like a distant dream. But now that you’re in your 40s or 50? It sure looks a lot closer, and it’s fast approaching. To make your retirement the best experience possible – and to enjoy the lifestyle you want once you step out of your…

Are Mini-Retirements Right For You?

With pensions dying out and the responsibility to save enough in your working years to pay for decades of life without a paycheck squarely on workers’ shoulders, the traditional idea of retirement may no longer be realistic for most. That might not be a bad thing, though. Working full-time until 65 or 70 years old, then…

The Importance of Incorporating Your Retirement Accounts in Your Estate Plan

You know you need to do some estate planning to properly protect yourself, your assets, and your loved ones. But is your plan complete, or did you leave a few key assets out of those documents by mistake? Most people are unaware that retirement accounts are an important estate plan component. Fewer still understand the…

Low Average Retirement Savings By Age: What To Do About It

If you look at the average retirement savings by age, you might find them alarming. You may even come to the conclusion that Americans are facing a pretty dire situation. Just take a look at the median retirement savings of families by age, reported by CNBC: 44 to 49: $6,200 50 to 55: $8,000 56 to…

How Remarrying Late in Life Could Affect Your Social Security

The Social Security Administration uses many factors to calculate benefit amounts for beneficiaries, including marital status. For long-married couples who are lucky enough to grow old together, calculations for spousal and survivor benefits are fairly straightforward. However, widowed or divorced Social Security beneficiaries can run into complications if they decide to remarry later in life….

The Retirement Tools and Strategies Small Business Owners and Entrepreneurs Need to Use

As an entrepreneur, you enjoy a lot of freedom in how you live your life and run your business. With that freedom comes a lot of responsibility, too. And not just the responsibility of the day-to-day operations of your company or the overall profitability and success of your small business. You also need to consider…

Eric C. Jansen, ChFC

Fun Facts About Me

When he is not researching the next great stock to add to client portfolios, you can find him travelling frequently with his family to Jackson Hole Wyoming.

Jay Willwerth, ChFC

Fun Facts About Me

Jay’s days are spent helping clients achieve their financial goals, followed by nights and weekends typically watching his daughters play competitive volleyball.

Steven C. Johnson, ChFC

Fun Facts About Me

Steve would tell you that one of the best parts of the day is spent talking to clients and relationships that result from it. When away from the office, he loves to travel the back roads of New England enjoying all the great sites that can be found off the beaten path.

Frederick M. Lane, ChFC, CASL

Fun Facts About Me

When not managing client portfolios, Fred can be found relaxing with family and friends.

Catherine Utley

Fun Facts About Me

Catherine M. Gareri

Fun Facts About Me

When not caring for her clients Cathy enjoys relaxing in her yard at home.

Katie E. Moore, CLTC

Fun Facts About Me

When Katie is not busy taking care of her clients, she spends her time being a mom to her two little ones, Owen and Isla.

Herbert Kyles

Fun Facts About Me

When Herbert isn't reviewing your portfolio or assisting you with your financial well-being you can probably find him relaxing with friends.

Hesper Duval

Fun Facts About Me

Loves spending time with 2 daughters and enjoys participating in 5k obstacle races throughout the year.

Donna Fournier

Fun Facts About Me

When not cheering for the Patriots Donna spends her free time travelling throughout the U.S. looking for new haunted places to explore. She loves wearing her cowboy hat and boots when travelling out west.

Anne Hawkins

Fun Facts About Me

Steve Taylor

Fun Facts About Me

Michelle Mattera

Loves spending time with her son, open-water swimming, and being competitive in any sport.

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