Retirement Planning
Retire With Confidence, Not Anxiety
Retirement is not just a financial milestone. It is a life transition that deserves thoughtful, comprehensive planning tailored to your vision for this next chapter.
Retirement Planning Is Our Foundation
While we serve clients across the full spectrum of financial planning, retirement planning is where Clarity Financial Advisors was built. Thomas Park, our Senior Advisor and former actuary, leads a retirement planning practice that combines mathematical precision with genuine care for the human side of this transition.
200+
Retirement Plans Created
94%
Clients Retired on Schedule
15+
Years Average Pre-Retirement Planning
$2.8M
Average Client Retirement Portfolio
Our Approach
How We Build Your Retirement Plan
Every retirement plan we create follows a rigorous process designed to address the unique complexities of this life stage.
Income Projection
Detailed modeling of all income sources including Social Security, pensions, annuities, and portfolio distributions across multiple scenarios.
Tax Optimization
Strategic coordination of withdrawals across account types to minimize lifetime taxes, including Roth conversion analysis and RMD planning.
Risk Management
Portfolio design that addresses sequence-of-returns risk, inflation protection, and the transition from growth to income-focused investing.
Healthcare Planning
Medicare enrollment guidance, supplemental coverage evaluation, and long-term care planning to protect against healthcare cost uncertainty.
Estate Coordination
Integration of retirement planning with estate and legacy goals, including beneficiary optimization and wealth transfer strategies.
Ongoing Monitoring
Quarterly reviews and proactive adjustments as markets, tax laws, and your personal circumstances evolve throughout retirement.
Common Concerns
The Questions That Keep You Up at Night
We have heard these concerns from hundreds of clients. Here is how we address each one.
Will my savings last?
This is the most common concern we hear, and for good reason. We build detailed cash flow projections that account for inflation, healthcare costs, market volatility, and longevity to give you a realistic picture of your retirement security.
When should I claim Social Security?
The difference between the optimal and suboptimal claiming strategy can exceed $100,000 over a lifetime. We analyze your specific situation including health, income needs, spousal benefits, and tax implications to identify the right timing.
How do I generate income from my portfolio?
Moving from accumulation to distribution is a fundamental shift that requires a different investment approach. We design income strategies that balance growth, stability, and tax efficiency to sustain your lifestyle through a multi-decade retirement.
What about healthcare costs?
Healthcare is often the largest unknown expense in retirement. We help you plan for Medicare premiums, supplemental coverage, long-term care scenarios, and the potential impact of healthcare inflation on your overall plan.
How will taxes affect my retirement?
Strategic tax management in retirement can save hundreds of thousands of dollars. We coordinate distributions across pre-tax, Roth, and taxable accounts, manage Required Minimum Distributions, and identify Roth conversion opportunities to minimize your lifetime tax burden.
Can I afford to retire early?
Early retirement introduces unique challenges including healthcare coverage gaps, longer time horizons, and different Social Security strategies. We model these scenarios rigorously so you can make this decision with confidence, not anxiety.
Your Retirement Deserves a Plan
Whether you are five years from retirement or five months, it is never too late to bring clarity to your plan. Schedule a complimentary consultation to discuss your retirement goals.
Schedule a Retirement Planning ConsultationClarity Financial Advisors is a registered investment advisor. Past performance is not indicative of future results. All investing involves risk, including the potential loss of principal. This website is for informational purposes only and does not constitute investment, tax, or legal advice.