Your Retirement

It might be cliché, but retirement truly is a journey.

We’ll be with you every step of the way.


It’s important to plan well before your final working day. Beginning 5-10 years before retirement, we highly suggest starting your financial planning and wealth management relationship with us so we can gain a thorough understanding of your assets pre-retirement. Depending on your situation, we may make suggestions to limit risk to your portfolio and preserve what you’ve work so hard to build, or advise that you increase your retirement contributions to help ensure you will have a sustainable income stream in retirement.

Pre-retirement services include:

  • Advice on external assets (e.g. 401(k) account)
  • IRA accounts
  • Financial coaching and advice
  • Investment management
  • Tax efficient strategies

Newly Retired

The day has finally arrived – your retirement is now a reality. For individuals who have recently retired, we perform a comprehensive analysis of your income to determine an appropriate withdrawal rate on your assets. Our primary goal is to preserve the principal of your savings while allowing for an acceptable amount of risk, so that you may generate the money you need to enjoy your retirement.

Newly Retired services include:

  • Plan rollovers
  • Income stream analysis
  • Retirement income planning
  • Social Security analysis
  • Medicare supplements
  • Long-term care insurance
  • Tax-efficient strategies
  • Investment management
  • Financial coaching and consulting

In Retirement

There are still investment items to consider each year while you enjoy your retirement. We schedule regular reviews to ensure your goals are still being met. As you age, you may begin thinking about a time when you are no longer around, and the legacy you want to leave behind. We can assist in your estate planning and help identify how you want to be remembered by your loved ones.

In Retirement services include:

  • Regular reviews and investment updates
  • Retirement income planning
  • Tax efficient strategies
  • Beneficiary review
  • Long-term care insurance
  • Estate planning (in conjunction with a qualified attorney)

Does a Roth conversion make sense for your IRA or 401(k)?

Call us to find out.

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APEX Financial Group/Mount Vernon Investments