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Why You Need to Work With a Retirement Financial Advisor
April 7, 2021 at 9:30 PM
Retirement financial advisors can help you plan for post-work life.

It’s never too soon to start planning for retirement. Many people mistakenly believe they need a substantial amount of discretionary income left over at the end of the month to save for retirement. In reality, the amount of money you put towards retirement isn’t as crucial as having a plan for your future and sticking to it. That’s why it’s essential to work with a retirement financial advisor for your retirement planning. They can give you a vision of your future, and help your money do more to safeguard it.

Retirement planning is complicated.

Maybe you’ve already started thinking about retirement and are planning on setting aside money into a savings account every month until you’re 68 or ready to retire. But have you calculated how much money that might be? Or - more importantly - have you calculated the amount you’ll need to support yourself in retirement for the rest of your life?

It isn’t a straightforward question. The answer considers your life expectancy, expenses, and what you plan to do in retirement. If you want to travel nine months out of the year, your costs will be more substantial than if your retirement hobby is gardening.

The earlier you plan, the better, and a retirement financial advisor can help you answer some of the more challenging questions:

  • The ideal time to claim social security.
  • How to generate income from a robust investment portfolio.
  • Surviving a recession or market crash while in retirement.
  • The essential accounts you need to maximize savings.

There’s no reason you should already know the answer to these questions. That’s why it’s essential to work with the retirement financial advisor Texas small business owners trust.

Thoughtful tax planning is as crucial as saving.

Without a tax strategy developed by a retirement financial advisor, you could end up paying out a substantial amount of your retirement income in taxes. Not only would that impact your retirement plans, but it could put you in an uncomfortable bind during your later years.

You’ll need two distinct strategies. One to maximize savings while minimizing your tax burden while you’re still working. The second for after you retire to allow you to draw your retirement income without paying out substantial taxes.

Diversified retirement incomes can save you money and protect you against unpredictable future tax laws changes.

  • Accounts with deferred taxes, like 401(k)s and Social Security payments.
  • Tax-free accounts like Roth IRAs and Health Savings Accounts
  • Accounts that are tax-efficient, like your brokerage accounts.

A happy retirement is a stress-free retirement, and with insightful tax strategies and diversified income sources, you’ll never have to worry about money after you stop working.

You deserve peace and security during your later years.

The world is an unpredictable place, and the best you can ask for is to be prepared for whatever comes your way. Working with a retirement financial advisor means you’re empowered to make informed decisions about your life post-work. They can also help you prepare for the unexpected like:

  • Forced early retirement.
  • Medical expenses.
  • Children move home or need financial help.
  • Other unplanned expenses like home renovations, new car purchases, etc.

At Sabine Financial, we specialize in working with young investors and small business owners to maximize their retirement savings, so they can leave the workforce ready for anything.

Start your retirement plan with Sabine Financial; the trusted Houston retirement financial advisor.

Partner with Houston’s trusted financial advisors at Sabine Financial for your retirement planning. We work with small business owners across Texas to maximize their retirement potential and safeguard their future. Contact us through our easy online form or give us a call at 713-487-7810.