1820 East Ray Road,
"RETIREMENT’S GREAT PARADOX? IT TAKES WORK." – ROBERT LAURA
Retirement is different now than it was in past generations. Today, individuals have varying expectations for how they wish to spend their retirement years. Many planning factors are interconnected, which require careful consideration when developing a retirement strategy. While more Americans are working past age 65, not everyone will be able to control their retirement timing. Making the most of the things you can control while evaluating the risk factors that are out of your control is the soundest way to approach your retirement.
The Team at San Tan Planning & Investments is committed to working alongside you each step of the way. We dig deeper by way of developing comprehensive financial plans that put your future in your hands and help you answer all of your anxiety-causing questions so that you can focus on living your life to the fullest! How much money should I be saving each year? When can I afford to retire? What will my retirement lifestyle cost? Should I do Roth conversions prior to my retirement years? When should I begin taking Social Security benefits? When should I look to sell my business?
Whether you are in retirement or approaching retirement, we can help! We offer our complimentary second opinion to help you evaluate your situation with the goal of providing you with confidence that you have a financial plan in place to address any situations you may face.
All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.
Converting from a traditional IRA to a Roth IRA is a taxable event.
A Roth IRA offers tax free withdrawals on taxable contributions.
To qualify for the tax-free and penalty-free withdrawal or earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59 ½ or due to death, disability, or a first-time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes.
For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.
It's never too soon to start preparing for retirement. But do you know what to look out for? Download our free ebook, "Retire Happy: A Simple Guide to Your Next Big Adventure."