Individuals & Families
Financial Planning for Families and Retirees
Whether you are 5, 10, or 20 years from retirement, there is no better time to start planning than now. Work with Sierra Financial Partners to create the retirement dream you’ve always envisioned.
Two Phases, One Goal: Financial Independence
Accumulation
1. Building Your Foundation
We help you set clear savings plan for retirement and your other financial goals. Consistent savings and time in the market are the priority while still allowing you to enjoy your here and now.
Accumulation services include:
- EReview of employer retirement plans and recommendations
- EOpen enrollment conversations
- ERetirement account projections and saving recommendations
- EInsurance review and recommendations
- EGoals-based discussions for education funding, retirement, and more
Distribution
2. Creating Sustainable Income
As retirement approaches, we proactively develop a distribution model designed that meets your retirement income needs. Whether you want to travel, spend more time with the kids, or just be sure that you won’t run out of money, your plan will reflect your retirement dream. Together, we’ll sort through your savings and benefits, including your 401(k), Social Security, IRAs, personal savings, and more.
Distribution services include:
- EInsurance recommendations for life and long-term care
- EMedicare advice and support
- ERMD notifications (if applicable)
- EBeneficiary review reminders and coordination
Ongoing Planning & Support
No matter where you’re at in life, our comprehensive services will cover these key areas of financial planning:
Cash Flow
Managing savings and short-term financial goals with an eye on your long-term success
Wealth Management
Long-term goals and retirement considerations, including investment allocation and management
Risk Management
Insurance review and advice for life, health, long-term care, and more
Estate Planning
Beneficiary review, will and trust review, collaboration with your attorney
Advanced Tax Planning
Tax-optimized withdrawal strategies and investment recommendations
Roth Conversion Strategies
Strategies to minimize taxes on your retirement savings
SECURE Act 2.0
Review and deployment of retirement/tax strategies based on SECURE Act 2.0
Ready to Get Started?
Get objective advice about your retirement future. Contact Sandy Wade today.