Guiding You Toward Financial Security in Retirement

Here are some of the ways in which we can guide you:

Retirement Paycheck System

Creating a total return strategy designed to produce a recurring paycheck, just like you had when you were employed

Determining When and How to Take Social Security Benefits

There are various considerations and strategies that you should incorporate in your decision. The decision should be personalized to your specific situation and there is no patent right or wrong answer. We help answer the following questions:

Will Social Security be there for me?
How much can I expect to receive?
When should I apply for Social Security?
How can I maximize my benefits?
Will Social Security be enough to live on in retirement?

Consolidating Qualified Funds such as 401(k) Plans and IRAs

Explaining the differences between a 401(k), traditional IRA and a Roth IRA
Consolidating your retirement accounts to meet your specific needs

Required Minimum Distribution Advice (RMDs)

Facilitating the process - you must begin taking RMDs by April 1st of the year following the year in which you reach age 72

Funding Long-Term Care and Medical-Care Costs

Explaining the pros and cons of Long Term Care Insurance and other Health-Care Plans, such as Medicare and HSA Policies
Evaluating what is right for you

Selling a Primary Residence or Buying a Retirement Home

Running downsize scenarios
Analyzing financing options
Comparing Annual Costs

Selling a Business

Evaluating the exit plan
Improving your valuation
Providing for a smooth transition

Passing Wealth on to Children and Grandchildren

Evaluating simple or more sophisticated techniques

Charitable Giving

Analyzing the affordability of gifting
Determining tax-efficient ways to give

Where Are You On The Road To Retirement?

These are important questions to keep in mind:

Your options for retirement and financial planning need to be given very serious thought and examination. Our financial planning analysis for you will help identify your goals, explore your options, and test for the unexpected.

Baron Financial Group is a Fee-only and Fiduciary firm offering financial planning and investment management.