Retirement Income Planning

Polaris Advisors is dedicated to helping clients prepare for, and enter into Retirement.  Our process revolves around a budget we call the Retirement Income Plan.  Since most of our clients come from large employers, we specialize in integrating our Retirement Income Plans with our clients’ Employee Benefits.  In this multi-disciplinary program, we are seeking answers to concerns like:

• Have I saved enough to Retire?
• Should I take an Early Retirement Offer?
• What form of Pension should I elect?
• How much can I withdraw without depleting my portfolio?
• How will I cover my Health Insurance Premiums?
• How does my Health Insurance interface with Medicare?
• When do I start Social Security?
• How will my taxes change?
• Do I still need Life Insurance?
• Should I protect my spouse with Long Term Care Insurance?
• When do I update my Will, Trusts and Health Care Proxies?

And, of course:

• How do I Invest when I start taking withdrawals?

Retirement is the end of the building phase, and the beginning of the distribution phase.  Since no more resources will be added to our Estate, at least not by working, Risk Control is paramount.  Making the most of what we have, while protecting it from Loss, is the goal of Retirement Income Planning.

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