Retirement Planning for Individuals & Social Security

What’s My Income?

Most people know their number i.e., retirement assets; however, what they really want to know is what does it take to produce sustainable income during my lifetime without depletion, with a margin for safety or family legacy. It’s never too early or too late to plan for retirement. In fact, a little planning can make a significant difference in having a satisfying retirement. We at Gladstone want to help you achieve your financial goals. Together, we can help you develop a personalized retirement plan aimed at helping you live comfortably and cover contingencies and provide a legacy as desired when you stop your 9 to 5. Retirement income planning is complex. Today’s retirement can last over two decades over inflationary and volatile periods, while people are living longer. Your funds need to "multi-task", i.e., replace your paycheck while seeking growth to outpace inflation. We will set up a viable plan and monitor your results.







Social Security retirement benefits help provide lifetime, inflation-adjusted total income. Combined with your retirement savings and pension benefits, Social Security serves as a vital component of your overall plan for retirement income, amounting to hundreds of thousands to two million dollars or more over a joint couple’s lifetime and becomes increasingly important as longevity increases as we get older.

Eligibility for Social Security begins at age 62, when approximately 40% of persons eligible begin withdrawals, according to the SS Administration’s own records. However, early claiming will reduce your monthly paycheck – permanently. New research shows that you may be considerably better off using a coordinated strategy for withdrawing your income that provides maximum benefits in a shorter period, while creating a higher survivor benefit. Imagine receiving hundreds of thousands more in benefits by coordinating the timing of your withdrawals.