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Retirement looks different for everyone. By understanding your goals, IEM can help you develop an individualized retirement plan that outlines what you need to do to reach your goals in where you’re going.

If you’re thinking about retirement, or you’re already retired, you might be asking, “Now what?” Shifting your mindset from accumulating to distributing your wealth isn’t just a change in attitude; it also requires a change in your approach.

At IEM, we can design a retirement income plan that helps you transition from a lifetime of work to your next chapter in life – whatever that might be. Through Our Process, we can help you with things such as:

  • Retirement Saving Strategies
  • Qualified Retirement Plan Analysis - Employer-Sponsored Plan and Health Saving Account (HSA) rebalancing/recommendations
  • Retirement Income and Social Security Strategy
  • Complex Trust Distribution Planning
  • Estate Planning
  • Insurance Analysis 
  • And More

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Meet Susan

Susan, a 60-year old professional, was introduced to IEM by a colleague as she began thinking seriously about retirement. Susan had done a great job accumulating assets in a Roth IRA, 401k, and other retirement and non-retirement assets. Susan felt confident in her post-retirement chapter for her lifestyle, but wanted to assess the risk of retirement and address the challenge of how to tax-efficiently distribute her assets into an income stream. Additionally, Susan was in a second marriage to Mark with children from a previous marriage, so she and Mark wanted to have a coordinated strategy.

Our team first began by understanding Susan’s goals and preparing a financial plan with an emphasis on retirement preparation and distribution to assess any risk factors to Susan’s retirement. IEM helped Susan refine her goals, define her monthly income needs in coordination with her spouse’s, and analyze the tax implications of taking money out of her portfolio. With the roadmap and analysis, Susan was able to take advantage of tax-efficient strategies of layering her income between Roth IRAs, and liquidating non-retirement assets with substantial gains without capital gains tax. Additionally, we collaborated with Mark to devise an optimal Social Security drawing strategy based on each spouse’s age and benefit amount.

We at IEM continue to monitor their coordinated strategy and act as confidants as they navigate the next chapter.

*The above is a hypothetical case study and is for illustrative purposes only. Actual performance and results will vary. These studies do not represent actual clients but a hypothetical composite of various client experiences and issues. These case studies do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed, and a financial advisor should be consulted.


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