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Secure Your Future: The Personalized Retirement Planner for you

Whether you’re 15 or 50 years into your career, it’s never too early to consult with the best retirement planner.

As you prepare to retire, consider the following questions:

Your retirement plan is one of the most crucial financial plans you’ll make in your life, and it is an ongoing process. If done thoughtfully, you can be confident that you’ll have a comfortable, secure, and fun retirement.

On the flip side, underplanning can cause major stress and hamper your quality of life down the line.

A man and a woman laying on a dock and smiling-retirement-planning

Fingerprint Financial Planning™

At Prosperity, we’re committed to learning your Financial Fingerprint™ before making recommendations about products and services.


We’ll spend 30 minutes getting to know you—your situation, needs, and vision—then offer a strategic financial retirement plan to reach your goals.

More about Retirement Planning

Infographics-Diversified Retirement Income Strategy

What investment strategies will set you up for success?

No one is immune from the anxiety of retirement planning—not even high net worth individuals!

To fund a comfortable retirement, a successful investment strategy balances risk and returns. After you exit employment, you will depend entirely on your savings and investments, unless you have income-generating real estate or other passive assets. 

Asset allocation is the strategic division of your investments among different asset classes (think stocks, bonds, real estate, cash, and cash alternatives).

Asset allocation is a risk-control measure; by diversifying your investment portfolio, you have more options for maximizing returns and minimizing risk. It’s the biggest determining factor in the kind of portfolio returns that you’ll see. 

There is no one-size-fits-all recommendation when it comes to asset allocation. Different investors have different retirement plans, risk tolerances, investing styles, and financial goals. 

You’ve heard it before: max out any employer-sponsored retirement plans, at least up to the company match.

When we meet with you one-on-one, we’ll discuss your investment knowledge and comfort level with choosing investments. We offer 401(k) investing support for all levels of investing experience, and we provide fiduciary advice based on your goals. If you’ve accumulated several 401(k) accounts over the course of your career, we can help you roll your investments into an IRA

Our Fiduciary Advisors will provide guidance based on future income needs, unique financial conditions, and long-term trends — empowering you to make better investment decisions.

Annuities are long-term investments issued by insurance companies, designed to help protect you from the risk of outliving your income.

Annuities can be enhanced by riders. A rider is an enrichment that allows you to tailor your contract to suit your financial requirements, your comfort with risks, and even your medical conditions. Many riders are designed to offset some of the disadvantages in owning an annuity.

Annuities and riders are designed to help protect what’s most important to you. For example, what happens if you’re no longer working, it’s a bear market, and your investments aren’t doing as well as you had hoped? Through lifetime income riders and/or annuitization, you can minimize your total risk exposure with periodic payments that can last for life.

Life insurance can be a powerful addition to your retirement plan. It provides financial protection for your family — everyone should have it, especially if you have kids! Insufficient insurance coverage exposes you to greater financial risk — which can quickly lay waste to a large amount of accumulated wealth.

Term life insurance guarantees the payment of a death benefit if the covered person dies during a specified term. Policies can last from five to 30 years. They’re often a more simple option, and are more affordable than permanent life insurance.

However, permanent life insurance may work better for you if you’d prefer lifelong protection and a cash value component.

Both policies can be useful for estate planning purposes; for instance, you can leave money to your heirs or to charity. With the right life insurance strategy, you can safeguard the things you care about, while creating opportunities for your wealth to go further for the causes and people who mean the most.

Unlike most sources of retirement income, Social Security benefits are adjusted periodically for inflation.

Your Social Security benefit is based on two major factors: 

  1. Your average earnings over your working career
  2. The age that you begin taking your benefits

The Social Security Administration has increased the age at which full retirement benefits become available: if you were born between 1943 and 1954, your full retirement age is 66. Full retirement age increases in two-month increments thereafter, until it reaches age 67 for anyone born in 1960 or later. If you can postpone your first payment til age 70, you’ll enjoy the full benefits that are as much as 8 percent higher.

Book your complimentary consultation

We’ll help you make sure that your retirement strategy aligns with your current and evolving priorities.

Get in touch today with a retirement financial planner to start the conversation!

Register for Prosperity Power Hour

Enjoy food and beverages, meet other successful professionals, improve your referral base, and win fun door prizes!

Because of the intimate nature of this event, we’re taking a very limited number of attendees per event. These seats will go fast, so grab one while you can!

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