Retirement planning entails two very important phases.  During the accumulation phase, individuals save and invest in retirement accounts and assets to accumulate enough money for a comfortable retirement. Essentially climbing the retirement mountain.

The distribution phase is when one begins to withdraw from retirement savings to fund living expenses in retirement. The goal is to ensure sustainability of the desired lifestyle without depleting savings too soon. Overall, retirement planning encompasses saving, investing, and careful management of withdrawals and investments for financial security. We can assist you in reaching the mountain peak and help navigate back down the retirement mountain safely.