Tailored Income Strategies for Retirees and Business Owners
At Retirement Income Planning Services, we specialize in guiding business owners and retirees towards a work optional retirement. We believe wealth means enjoying our life’s present moments just as much as planning for the future. Together, we help align your retirement income strategies with what’s truly important to you today and tomorrow.
Gain Confidence in Your Financial Future
Our firm is designed to meet the specific needs of three important types of clients. We serve future retirees, current retirees, and business owners in Kansas and Missouri.
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Pre-retirees & Retirees
Pre-retirees and retirees commonly want to know if they have saved enough to retire, how to drawdown benefits, and how to make assets last. In some situations, they need to fill an income gap to make up the difference between savings, a defined benefit pension and Social Security. They also want to mitigate the common causes of nest egg erosion—rising taxes, inflation, health care costs and longevity—and then pass that nest egg to loved ones.
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Business Owners
While business owners typically are focused on growing and maintaining their business operations, they also must keep an eye on risks that can hamper their ability to operate and turn a profit. It’s possible to take proactive steps today to mitigate the financial and staffing challenges associated with the cost of employee benefits, the loss of a key staff member, and managing taxes.
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High-Net-Worth Individuals & Families
High-net-worth individuals and families have specialized concerns when it comes to protecting, preserving, and passing their wealth to the next generation. Often family wealth is tied to business wealth, making matters even more complex. Families in this situation are often interested in strategies for offsetting taxes, business succession planning, and funding high-value life insurance policies without liquidating assets.
Your Wealth Deserves a Second Look
Our expertise lies in retirement income planning and tax minimization to help create stability and the confidence that you and your assets are positioned to mitigate risks. We can work with you no matter what stage of life you are in—winding down your career and moving into retirement, transitioning or selling your business, or needing help with more advanced insurance strategies to cover the unique needs of high-net-worth clients.
Driven by Data
At Retirement Income Planning Services, we don't operate on hunches or guesswork. Data and facts drive our customized client recommendations that are backed by actuarial science. We take a mathematical and statistical approach to observe natural events and assess risk. Then, we formulate policies designed to minimize risk and the financial impact on our clients.
See our data-driven approach in action by requesting your introductory meeting today.
Services Designed to Preserve Wealth
Retirement Income Planning Services offers a suite of services to mitigate financial risk for our clients through the strategic use of insurance. All recommendations are customized to individual needs and backed by data-driven methods.
Create a customized plan for drawing down your retirement income sources, fill income gaps, and help ensure your funds are positioned to last the rest of your life.
Assess the impact of taxes on your retirement and business funds to make sure you are not over-paying and instead taking advantage of strategies to mitigate taxes.
Protect your ability to access health care and your finances from unexpected costs associated with illness, injury and the need for long-term care assistance.
Secure your legacy by making sure your affairs are in order, well-documented and that loved ones are remembered with a detailed plan that honors your wishes and their importance to you.
Explore options that business owners need such as employee benefits, buy-sell agreements, and business succession strategies to help ensure your business remains viable.
Explore options to fund specialized, large life insurance policies without locking up your financial assets with premium finance life insurance.
Retirement Shouldn't Be Complicated
Life is complicated enough; that's why we offer our clients a straightforward, five-step process to uncover your needs, explore strategies, and improve confidence in your financial outlook.
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Complimentary Appointment
We listen and get to know your needs and concerns, making sure we are a good fit and are confident that we can help you achieve your retirement goals.
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Personalized Assessment
We will conduct an in-depth review of your current situation to gather data and help us with our recommendations.
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Data-Driven Recommendations
We will present customized strategies based on actuarial science designed to meet your goals and objectives.
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Acceptance & Implementation
After we reach agreements on strategies, we will complete the required paperwork and documentation.
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Review & Monitoring
We will schedule periodic reviews of your strategies and life situation, adjusting when necessary.
Contact Us Today
Are you interested in learning more about how we can help you? Contact us to schedule a complimentary, no-obligation appointment.
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Licensed Insurance Professional. Respond and learn how insurance and annuities can positively impact your retirement. This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with the Social Security Administration or any government agency. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.
Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice. By contacting us, downloading booklets, or attending events, you may be offered a meeting to discuss how our insurance and other services can meet your retirement needs.