Retirement Planning & Income Analysis

No matter how much someone has invested, we find that there tends to be a question of “am I going to be okay?” A singular strategy of chasing returns with your whole portfolio can leave a person’s perspective on their retirement as volatile as the markets; market is up ‘I am going to be ok’, market is down ‘oh no what am I going to do’. That is not what we want for our clients.

Building a Plan That Addresses
Your Financial Goals & Retirement Risks

Building a retirement plan that prepares you into retirement requires addressing both your financial goals and addresses your retirement risks.

Determining Your Financial Goals

  • Income Needs
  • Contingency Expenses
  • Legacy Goals

Assessing Your Financial Risks

  • Longevity
  • Inflation
  • Health Care
  • Long-Term Care
  • Sequence of Return Risk
  • Stock Market Risk
  • Public Policy Risk

Stronger Retirement Plan

While you can’t control the risks, there are pieces you can put in place to prepare yourself well for all the variables in retirement.

MGUIDANCE Retirement Planning for Your Needs & Risks

We help you figure out in detail how much income you are going to need on a monthly basis during retirement.

We look at how much income you are going to have from sources such as pensions, social security, bond ladders, or annuities. If you haven’t built an optimal income base or floor, we are going to look at strategies that may help you get there. Think retirement pay-check.

From there we look at tax optimized strategies that could give you additional available assets at the different time frames you may need or want it. With your core pieces in place it is also more clear how you are strategizing your legacy coupled with your comprehensive retirement.

M Guidance Retirement Process


Bucket #1

  • Years 1-5
  • Low Risk Return


Bucket #2

  • Years 5-10
  • Conservative strategies


Bucket #3

  • Years 10-15
  • Mid-Term strategies


Bucket #4

  • Years 15-20
  • Moderate strategies


Bucket #5

  • Years 20+
  • Growth & Legacy Strategies

Income Floor

Social Security, Pensions, Annuity Income, Laddered Bonds, etc.

Retirement Planning Services

Our retirement planning services can include but are not limited to the following:

  • Retirement income planning
  • Social Security Optimization
  • Goal & tradeoff planning
  • Employee benefits planning
  • Stock option planning
  • 401(k), annuity, and pension strategies
  • Long-term care planning
  • Employee benefits
  • Employee retirement plans
  • Life, disability, and health insurance

Download One Of Our Free Guides.

Download One Of Our Free Guides.

What’s the #1 fear in retirement? Running out of money. Get our step-by-step guide to help ensure your assets last a lifetime.

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