Retirement Lifestyle Planning
More than just investments.
At our firm, we aren’t your traditional, “old school” financial advisors. We don’t just talk about investments; we’re here to help you realize how those investments translate to supporting your daily life. Our advisors are deeply involved and ready to answer your questions with compassionate support as you navigate the intricacies of retirement. Our goal isn’t just to help you grow your wealth, but to help you live a fulfilling, peaceful retirement while passing on a legacy to those you love.
Your Family’s Personal CFO
Our clients often come to us with critical questions on their minds, such as, “Can I pass this money to my kids?” or “Do I have enough money for long-term care?” These are important concerns, and our role is to help you answer them with clarity and confidence. Our clients come to us for advice, not to take orders—we like to think of ourselves as your personal CFO, guiding you through life’s financial decisions and showing you how those decisions affect your future and your family. We provide professional guidance on income planning, investment strategies, and tax strategies, ensuring you have the knowledge to make informed choices.
We don’t believe in a “set it and forget it” approach to retirement planning. Your retirement lifestyle plan is a living, breathing strategy that evolves along with your life. As things change—through career shifts, family changes, or other life events—we’re there to adjust your plan to keep your financial future on track.
Tailored To Your Goals
We believe your investments should reflect your unique goals and the lifestyle you want to enjoy—now and in the future. Our personalized investment strategies are carefully crafted to align with your financial aspirations and provide lasting support for the life you’ve worked so hard to build. We take a holistic approach to investment planning, considering how your investments translate into real-world outcomes; and we adjust strategies as your life changes.
Optimize and Navigate Confidently
Social Security Strategies
Many people leave money on the table when it comes to Social Security simply because they don’t know the best strategy for claiming. Our goal at Lumos is to help you navigate your Social Security strategy, determining the right time to claim and how it fits into your overall retirement plan.
Your Financial Future
One of the key elements of retirement lifestyle planning is income planning. As you approach retirement, a common question arises: “Am I going to be okay?” We’ll work with you to create a custom plan that seeks to ensure you have reliable cash flow, including sources from pension plans, savings, or other assets.
Going Far Beyond Analyzing Numbers
We understand that making the transition from working life to retirement involves more than simply growing a nest egg.
It means navigating big life questions and setting up your income, investments, taxes, and overall financial plan to support the lifestyle you’ve always dreamed of. Our team will guide you through each financial decision to help you understand how it impacts your life today and in the years to come.
Free Download
Our free guide reveals key tax planning strategies that seek to maximize savings and keep more of your hard-earned wealth in retirement.
