Sherpa Wealth Strategies Financial Planner in Bend, Oregon

Retirement Planning

Retirement Planning

You’ve worked hard your entire career to save money for your future and you deserve to retire on your terms. Whether you’re on the cusp or already retired, we can help you develop a retirement income plan to navigate important retirement decisions today and in the future. For many of our clients, retirement has been “some day” in the future. Suddenly “some day” is today. And while you’ve been planning your last day at work, we’ve been planning for every day after that. Our team of retirement planning and IRA experts can help you navigate important retirement decisions whether you’re already retired, about to retire or just starting to plan for “some day” in the distant future.

Even if you’ve worked and saved all your life, it may be overwhelming to figure out how to organize your assets to provide a lifetime of income in retirement.

Our personalized retirement plans will help you navigate:

  • How to organize your various assets and income streams into a comprehensive financial plan
  • How to allocate assets in retirements plans – IRAs, 401(k)s, 457s and 403(b)s – to provide a monthly or annual income
  • Whether and when to convert assets in a traditional IRA to a Roth IRA and other tax arbitrage strategies
  • Using life insurance to maximize after-tax income for beneficiaries
  • Strategies for beneficiary withdrawals under the SECURE Act
  • Whether to roll your employer plan into an IRA
  • When to take Social Security benefits
  • How to plan for the tax consequences of Required Minimum Distributions at age 72
  • How to choose which pension option to take, including coordination of survivor benefits with other assets
  • How to recalibrate your budget in retirement
  • Net unrealized appreciation options for employer stock

Learn from our advisors.