Retirement Income Planning

Investors work and save their entire lives with the hopes of a safe and secure retirement. However, the transition from saving for retirement to income distribution during retirement is a topic that most investors may be unfamiliar with.

At Michael J. Lucia & Associates we assist clients in the creation of a retirement income plan that can help them generate inflation-adjusted income for life while reducing market risk.

Components of a Retirement Income Plan

• Retirement Income Goals & Projections
  Upon reviewing each client's income goals, Michael J. Lucia & Associates provides advice regarding the range of retirement income the client's portfolio should be able to sustain.


• Retirement Income Tax Management
  Minimizing taxes during retirement may have a significant impact on a retiree's spending power. We help clients understand which accounts to take distributions from first, when to consider larger distributions or investment re-characterizations, and strategies for balancing portfolio income with other income sources.


• Fixed Income Investment Strategies
  The list of fixed income investment options may be daunting — Bonds, CDs, Fixed Annuities, Immediate Annuities, Money Market Accounts, Structured Notes, Ginnie Maes, Municipal Bonds, Target Income Funds...to name just a few. We help clients understand which investment options may most effectively provide them with an inflation-adjusted retirement income stream.


• Growth Investment Strategies
  Retirement is still a time when many investors need to maintain an exposure to growth investments in order to provide potential long-term growth that keeps pace with inflation. At Michael J. Lucia & Associates we help clients determine which growth investments are most appropriate for their retirement income goals.

Click here for a complimentary consultation to see how we can help you plan for your financial future.