Retirement Income Planning
Retirement should be enjoyed, not spent worrying about money. Our team helps you create a plan for steady income throughout your retirement years. We review your accounts and options so you can make the most of what you have saved.
How do you turn savings into retirement income?
We look at all of your income sources, including Social Security, pensions, retirement accounts, and other savings, and build a withdrawal plan designed to cover your spending needs while keeping your long-term goals in view. We revisit the plan regularly as markets and your needs change.
When should I start planning for retirement income?
Ideally several years before you retire, so there is time to make adjustments to savings, investments, and timing decisions. That said, it is never too late. We also work with people who are already retired and want a clearer income strategy.
Can you help with Social Security and pension decisions?
Yes. We can help you understand how claiming age and pension payout options affect your income over time, and factor those choices into your overall plan.
What should I do with my old 401(k)?
Options typically include leaving it in the plan, moving it to a new employer plan, rolling it to an IRA, or cashing out. Each has different costs, investment choices, protections, and tax consequences. We walk through the trade-offs with you before you decide.
Do you offer annuities or other insurance for income?
Insurance products, including annuities, are offered through Romero Investment Management, which is not affiliated with Osaic Wealth. Any guarantees are based on the claims-paying ability of the issuing insurance company. We discuss whether such products are appropriate for your situation, along with their costs and limitations.
Get started
Talk with Carlos or Alexis: email cromero@romeroinvestment.com or aromero@romeroinvestment.com, or call (561) 350-7156. Office: 5310 NW 33rd Ave, Suite 206, Fort Lauderdale, FL 33309. Meet in person, by phone, or virtually.
Disclosure
Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC, and a registered investment advisor. Insurance services are offered through Romero Investment Management, which is not affiliated with Osaic Wealth, Inc. Neither Osaic Wealth, Inc., nor its representatives provide legal or tax advice. If legal or tax advice or other expert assistance is required, the services of a currently practicing professional should be sought. Investing involves risk, including possible loss of principal.