Most of us spend time focusing on the ups and downs of our retirement accounts.  However, it’s important to remember that investments are only one piece of a rounded, healthy financial plan.  What’s the point in having all that money if you neglect to protect it from excess taxes, inflation and health related catastrophes?  Your nest egg could dwindle quickly without comprehensive WRITTEN retirement plan. That’s what our Seed to Harvest Wealth Plan delivers: a clear, written strategy for retirement.

​

For example, Social Security taxation and Medicare premiums are now linked to your income. That means, you could have lower Medicare premiums and less Social Security taxation if you and your adviser plan ahead.  Which type of accounts do you withdraw retirement income from first; taxable, tax-deferred, or tax-free? Considerations like these can have large impacts how much money you keep, and whether or not you run out of money in retirement. 

​

If your financial adviser isn’t talking to you about maximizing your Social Security retirement benefit, building life-long income, estate planning, preparing for future medical costs, beating inflation, minimizing taxes AND investments, it’s time to consider a second opinion. As a CFP – Certified Financial Planner™, JH Advisers is professionally trained in each of these critical retirement planning categories.  You worked hard to earn your retirement assets, so take the time to plan smart.