Retire Wise

Everyone deserves a secure and worry-free future, particularly after a lifetime of dedicated work. This is the fundamental objective Retire Wise is committed to fulfilling through its comprehensive range of service offerings.

Retire Wise excels in detailed retirement planning, emphasizing growth and protection of clients’ retirement savings from market risks. Holistic strategies are crafted through a comprehensive approach to planning and its ‘Retire Happy Framework.’ This approach is implemented after considering diverse client needs, spanning the wealth accumulation and distribution phases.

Typically, in retirement planning, two major risks stand out; longevity risk or the risk of outliving savings, and sequence of returns risk or the impact of early investment downturns. Coupling these with secondary risks like withdrawal rates, tax implications, and inflation, Retire Wise helps clients navigate these factors and minimize their impact. The team achieves this by formulating bespoke plans encompassing specific account types, tax brackets, and personal circumstances, significantly reducing risk exposure.

“Our prime focus is on retirement planning, creating personalized plans designed to meet our client’s goals and risk tolerance, so they can retire happy!” says Shawn Maloney, president and owner of Retire Wise.

The initial step in the planning process involves a meticulous analysis or inventory of the client’s financial situation. By discerning the client’s retirement purpose and objectives, the team identifies the most significant risks apart from the primary two. Tailored strategies are devised, and optimal investment vehicles are determined along with the appropriate timing, allowing them to take action at the most opportune moments to mitigate these risks. Other factors like taxes, market dynamics, and inflation are evaluated, ensuring the plan aligns with the client’s specific circumstances.

Besides retirement planning, Retire Wise integrates retirement coaching to assist clients in preparing for the next life phase. By fostering transparency and educating clients throughout the process, it goes beyond the finances, focusing on other crucial aspects that contribute to a happy retirement. The coaching covers essential principles for the younger demographic who might lack sound financial skills. For those approaching retirement, the team provides guidance on transitioning into this phase seamlessly. Coaching and consulting are interwoven with the company’s comprehensive financial planning services. Other services it offers include insurance, social security optimization, and personal pension.

Proven strategies and a team dedicated to providing unmatched service and exceeding expectations have led to many success stories. In one instance, a couple in their late 40s approached the team with substantial savings but an unstructured retirement plan. Before Retire Wise stepped in, this couple was heading toward significant tax implications and market vulnerabilities that could jeopardize their retirement prospects due to a limited timeframe for recovery before their planned retirement. The team recalibrated the couple’s portfolio, incorporating volatility shields to protect their savings. Resultant success projection surged from 65 to 92 percent, assuring a secure retirement. This serves as a typical example of the company’s ‘happy factor’ approach, harmonizing investments with retirement phases to optimize outcomes.

Retire Wise goes the extra mile by forging individualized connections with clients. In a contemporary landscape where personal connections are increasingly rare, the company distinguishes itself with attention to detail and a hands-on approach. Clients take comfort in readily engaging with the team and sharing personal matters. The overwhelmingly positive feedback highlights the team’s accessibility and the value of human interaction in a world dominated by automated experiences.

Upholding clients’ best interests, Retire Wise stands true to its name, empowering them to realize retirement success.