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The importance of retirement planning cannot be overstated - you may be
retired for a full one-third of your lifetime, 30 years or more. This is a
long time to be living off your savings and retirement plans. Many changes may happen during
that period that will affect your income. The time to plan is before
retirement and during the actual transition it is crucial that your various
pension, employer, and government plans are managed together to your best
benefit.
Most financial planners and investment advisors
provide retirement advice, but at IAM we go the extra mile and provide
a highly personalized transition and planning service. We carefully analyze
all of the options you have with respect to your various plan payouts and
rollover possibilities, working, when possible, with your employer's human resources
department. Once we have performed a detailed analysis, we report and explain
your options and recommend the most tax-efficient and financially beneficial way
to transition to your new lifestyle. We then provide
ongoing portfolio management and financial planning to ensure that you and your
dependents are provided for in the years following your retirement.
Click here to read a special message from
our CEO
Pre-retirement planning
Inevitably over future years your income,
investment returns, and lifestyle will undergo changes. With sensible planning
and periodic re-evaluation to incorporate changes, you can assure your family a
secure future. IAM combines sophisticated financial and tax planning, investment
expertise, and periodic plan updates to keep you on track.
Security during retirement
If you are already retired and depend upon
your investments for security or income, then the benefits of the IAM Retirement
Planning service cannot be overstated. Many a nest egg has been squandered
through a needlessly aggressive investment program. At IAM, we are not paid on a
commission basis and we do not have any proprietary investment products to sell,
therefore you can rest assured that our service is impartial and only for
your benefit.
Retirement Planning and
Portfolio Management
We offer our Retirement Planning
service at no extra charge to our Portfolio Management clients.
You should consider that at some time in the future you may be unable
or unwilling to make your own investment decisions, whether due to illness, or simply because
you are too busy enjoying your retirement. Our service includes
discretionary management of your portfolio so you can rest assured that your
savings will always be managed in keeping with the portfolio strategy that you
have chosen, whether or not you are in a position to oversee your investments
personally.
Financial planning issues
Many other issues besides investments need
to be considered when planning retirement: Health insurance, long-term
disability coverage, estate planning, the purchase or sale of property, and much more.
IAM can assist you with all these issues, or, if you are
already working with an advisor you trust, then we would be happy
to work together with that advisor to tailor your investment portfolio to your
overall needs. |
