Retirement Income Strategies
You should be able to maintain the same living standard as while you are working in retirement. Locher Financial will work to help you formulate an income plan so you know the sources of your retirement income and how much of your current income you will have from these sources at your desired target retirement date.
Regardless of your priorities — asset accumulation, retirement income, or even health care — we’ll help create an income stream that matches your needs.
Social Security Optimization
You pay your entire working career into Social Security. We want to help you get the most out of your Social Security Benefits!
With over 100 different options for how and when to take Social Security benefits, many retirees wonder about the best strategy. We help by discussing Social Security strategies along with an in-depth analysis on your individual situation to determine when could be the best time to file for your benefits and how to file. Understanding how your Social Security income is taxed is also a priority for many retirees. Our experience helps us show you ways to potentially increase income and reduce taxes.
Asset Allocation Strategies
(Asset Protection Risk vs Return)
Think about what stage of life you are in and what portion of your portfolio you are fine with having at risk. Does your allocation fit your lifecycle stage, does it fit your risk profile? When you work with Locher Financial, we’ll analyze your portfolio and discuss how much market risk you’re willing and able to handle at whatever stage you’re at.
Annuities for Retirement Income
Many retirees are considering fixed index annuities (FIAs) as an option for their retirement, because FIAs offer the opportunity to participate in market-linked index returns with no market downside. These unique products offer the potential for a steady lifetime income without the same market volatility experienced in 401(k)s and other employee-sponsored retirement plans. We offer a complimentary annuity review for all those in our community who want to understand their existing annuities or potential annuities.
