Retirement Planning

At Modern Wealth, our retirement planning is built around your goals—crafted to help you preserve wealth, grow it wisely, and retire with confidence. We take a strategic, forward-looking approach that balances long-term growth with innovative risk management, always keeping your financial future at the forefront.

We focus on maximizing returns while minimizing unnecessary costs, including expense ratios that can quietly eat into your savings over time. By evaluating the balance between active and passive strategies and optimizing every dollar you invest, we help ensure your retirement plan remains efficient and aligned with your vision.

From salary deferrals and employer matches to evolving tax laws, we guide you through every opportunity to strengthen your retirement strategy. The result is a personalized, tax-aware plan designed to deliver clarity, control, and peace of mind—so you can step into retirement ready and empowered.

At Modern Wealth, we give you a clear, visual roadmap for your retirement savings journey. Our Retirement Savings Analysis highlights your progress year by year—showing how much you’ve saved, how your savings grow over time, and how your returns are building toward your goals. It’s designed to help you stay on track and make smarter decisions.

Complementing this, our Retirement Plan Analysis focuses on what your retirement will look like financially. We break down projected spending, income sources, and sustainable withdrawal rates so you can understand how your future lifestyle aligns with your financial plan.

Together, these tools create a powerful, personalized retirement strategy. With clear insights and actionable guidance, we help you plan confidently—ensuring you’re saving and building a future that fits your goals and gives you peace of mind.

At Modern Wealth, we bring structure and flexibility to your retirement strategy with personalized guardrails that guide sustainable spending. By setting upper and lower portfolio balance thresholds, we help you know when to adjust income—whether to preserve assets or enjoy a well-earned boost—based on your risk tolerance and lifestyle goals.

Our Retirement Income Dashboard also includes powerful stress testing, showing how your plan would have held up in past economic downturns. Knowing that your retirement strategy is built to weather market shifts while staying aligned with your long-term vision gives you peace of mind.

From tracking monthly cash flow to customizing your plan with scenario comparisons and legacy goals, everything is designed to adapt as your life evolves. With Modern Wealth, your retirement plan is more than a projection—it’s a living, responsive strategy that keeps you financially confident for decades.

Choosing the right Medicare plan starts with three core questions: where you live (and travel), your health needs, and your comfort with financial risk. These guide selecting a plan that fits your care preferences and your budget.

Once a plan is selected, you’ll see exactly what it covers, how to enroll, and what key steps you need to take based on factors like your Social Security status or existing group coverage. It’s a clear, step-by-step path built to eliminate confusion.

Helpful tips along the way ensure you avoid common pitfalls and feel confident in your decision. At Modern Wealth, we make navigating Medicare straightforward so you can focus on your health, not the paperwork.