At Schnell Financial Group, LLC we approach retirement planning as a long-term relationship rather than a checklist. We take time to understand what matters to you and use our combined financial, legal, and tax experience to guide you toward a future that feels stable and well-prepared. That process includes creating a retirement income plan that supports your desired lifestyle, managing your investment portfolio, and planning for future healthcare and long-term care needs.
Income Planning for a Secure Retirement
A successful retirement begins with a clear understanding of where you are today and where you want to be in the future. Our advisors work closely with you to design income strategies that support your desired lifestyle.
We help you:
- Consolidate retirement accounts
- Create organized distribution plans
- Implement tax-efficient withdrawal strategies
- Maximize after-tax income to support long-term financial security
Our goal is to help you create the income you need in the most tax-efficient way possible, so you can enjoy retirement with confidence and peace of mind.
Investment Portfolio Management
With your retirement income plan in place, we manage your investments to help support the income needed to sustain that plan throughout retirement. Your investment portfolio is often one of your largest assets, and how it is managed plays a key role in your long-term financial stability.
Many retirement investors unknowingly underperform the market by 3% to 5% per year due to a lack of experience in selecting and managing investments. Over time, this gap can result in tens or even hundreds of thousands of dollars in lost value.
We provide ongoing guidance to help ensure your accounts are properly allocated, managed, and positioned to generate the income your plan requires. While investment performance is important, taxes can also have a major impact on long-term results. We proactively look for ways to reduce unnecessary tax costs and help protect your wealth over time.
For clients approaching retirement, we also evaluate the timing of Social Security benefits and required minimum distributions (RMDs) to help maximize lifetime income and improve overall retirement outcomes.
Planning for Health Care and Long-Term Care Needs
Health-related expenses are among the greatest concerns for retirees. Medical coverage gaps and the high cost of long-term nursing home care can pose significant risks to your financial future.
We help you prepare for these challenges with:
- Guidance on Medicare, Medicare Supplements, and Medicare Advantage Plans
- Independent, unbiased recommendations (we do not sell or receive commissions on any Medicare-related products)
- Comprehensive strategies to manage and protect assets from long-term care expenses
- Customized estate planning for long-term care, developed and implemented by our in-house attorneys
