Retirement Planning

When it comes to retirement planning, it is key to remember that you are never too young to start saving. Whatever your vision of retirement is, diligent and ongoing planning and goal setting are necessary for your retirement to live up to your expectations.

At Nisivoccia Wealth Advisors, we put the client in the driver’s seat when helping them plan for their retirement. Based on their goals, we help them understand how to manage their savings so that they get the most value out of the dollars they spend, while minimizing their tax liability during retirement.

Because we work side-by-side within accounting firms, we meet regularly with our tax professionals to stay abreast of the latest tax laws so we can offer our clients tax optimized solutions. We will help guide you to the right retirement plan to make sure your income is sustained during the time when you reward yourself for years of hard work.

When we talk to clients about money and retirement, we ask these questions:

• How much do you want to spend?

• What are the different tax rates presented to you?

• What accounts do you plan to take money from so that you won’t be pushed into a higher tax
bracket?

• How do you have your money invested?

• Where is your retirement income coming from?

• Do you have a safe place to pull money from in case of an emergency?

It is a lot easier to control your taxes if you understand where you are going to put your investments that you plan on having in the future. That is what Nisivoccia Wealth Advisors are here to help you with.

When considering retirement options, we approach it from four ways:

• Employer-sponsored plans (401(k), Roth 401(k), 403(b), pensions)

• Social Security or other government programs

• Individually-owned retirement plans (IRAs, Roth IRAs, rollover IRAs)

• Individually-owned investments

For those self-employed, or for the small business owners, we consider these options:

• SEP IRAs

• Simple IRAs

• Defined contribution retirement plans

• Defined benefit retirement plans

We will help guide you to the right retirement plan to make sure your income is sustained during the time when you reward yourself for years of hard work.

Retirement Planning services offered include but are not limited to:

• 401(k) Savings Plans

• 403(b) Savings Plans

• 457 Savings Plans

• Defined contribution retirement plans

• Defined benefit retirement plans

• IRA Rollover and Distribution Planning

• Income Protection Analysis

• Fixed Income Strategies