Through our retirement planning process, we will review your current income situation and evaluate your potential income in retirement. We’ll work with you to develop an income strategy designed to support your anticipated retirement income needs. We’ll help you evaluate your Social Security options based on your individual circumstances. If you have a pension, we will guide you through the available options to help you make an informed choice. We’ll also help you prepare for other considerations, such as the premature death of a spouse, inflation, or taxation.

We work with you to understand your risk tolerance, financial goals, time horizon, and liquidity needs. As an Investment Advisor Representative working through an independent Registered Investment Advisor, we are not bound to a single proprietary institution, allowing us to select from a broad universe of funds and equities to construct diversified portfolios tailored to your needs. We focus on identifying and managing risks consistent with your individual circumstances, objectives, and risk tolerance.

Taxes can be one of the single largest expenses in retirement, making tax considerations an important part of financial strategy. At Horizon Compass Retirement and Wealth, we take an integrated approach to financial planning that incorporates tax-aware strategies. We coordinate with your qualified tax professionals to help ensure your overall retirement plan aligns with your broader financial objectives.

Choosing a Medicare plan that fits your needs can be a challenging task. Long-term care planning can help protect your financial foundation from unexpected medical expenses as you age. You have many options to choose from, and our specialists are available to help you evaluate plan options so you can make confident decisions aligned with your situation.

We work collaboratively with you and your qualified estate-planning attorney to help identify financial considerations related to your legacy objectives. We can assist in coordinating how your assets align with your overall financial plan to support your family and charitable goals.

*Estate-planning documents and legal advice must be provided by a qualified attorney. Tax matters should be discussed with a qualified tax professional.

One of the key considerations in retirement is the impact of healthcare costs and potential coverage gaps. While traditional Medicare provides a foundational level of coverage, it does not cover all expenses, such as deductibles, coinsurance, copayments, or long-term care. We help you identify potential out-of-pocket expenses and evaluate coverage options to help safeguard your retirement financial plan.

We evaluate retirement-income and investment strategies in light of your individual objectives, time horizon, liquidity needs, tax considerations, and tolerance for risk. By analyzing your contribution levels and tax-aware strategy options, we work to structure your accounts efficiently to support your long-term financial security and flexibility.

We help you navigate the complexities of Social Security by evaluating various filing strategies and timing options based on your individual circumstances, health, longevity, and overall financial plan. Our goal is to help you analyze potential claiming dates and understand how different strategies align with your retirement objectives.

*Social Security illustrations and analysis are based on individual client assumptions, hypothetical projections, and estimates provided by the Social Security Administration, which are subject to change and do not guarantee specific financial outcomes.

We evaluate strategies designed to manage the tax impact on your retirement distributions, helping you retain more of your retirement assets over time. By utilizing tax-aware investment strategies and account structures, we aim to build an efficient income approach tailored to your lifestyle and financial goals. We work in coordination with your qualified tax professional to ensure all strategies align with current tax regulations.