Retirement Planning

Retirement planning is increasingly complex. A host of investment options, combined with fluctuating interest and inflation rates and other variables, make it difficult to determine how much you will need, where you should invest, and who to turn to for assistance. The complex tax and legislative environment surrounding retirement planning compounds the confusion.

With qualified plans (such as IRA, pension, profit sharing, 401(k) and Keogh plans), the timing and amount of withdrawals are critical in order to avoid additional tax penalties. And, if you have accumulated significant qualified plan assets you may face additional problems, including the "Double Tax Dilemma," where the government can tax these assets twice.

We guide our individual and corporate clients through the confusion surrounding retirement planning. We will:

  • Develop customized short and long term investment strategies based on your personal objectives, risk tolerance, time frame for accumulation, and current financial situation.
  • Preserve and help to grow your net worth through proper allocation and diversification of assets.*
  • Provide you with access to select investment vehicles, including those that offer tax-free accumulation and distributions.**
  • Reduce or eliminate income and estate taxes on qualified plan assets.***

Working closely with our clients, we help them to set their retirement plan objectives, review any existing plan, and/or design a new retirement program to achieve their goals.

We offer advice, custom products, quality service, and practical ideas about qualified retirement plans. Our clients range in size from one to several hundered employees.Particularly today, with the complexities of new pension laws, and the desire of employers to hire and retain valuable employees, more employers are seeking professionals with proven experience and knowledge.

We can help educate, design and service all types of Qualified Retirement Plans, including:

  • 401(k) Profit Sharing & Savings Plan
  • Age-Weighted Plans
  • New Comparability or Class Based Plans
  • SIMPLE IRA Plans
  • SEP Plans
  • Money Purchase Pension Plans
  • Target Benefit Pension Plans
  • Defined Benefit Pension Plans


* Diversification does not guarantee against loss.  It is a method used to help manage investment risk.


**Kestra Investment Services, LLC and Kestra Advisory Services, LLC do not provide tax or legal advice.  Any decisions whether to implement these ideas should be made by the client in consultation with professional financial, tax, and legal counsel.


***To ensure compliance with requirements imposed by the IRS under Circular 230, we inform you that any U.S. Federal tax advice contained in this communication, unless otherwise specifically stated, was not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing, or recommending to another party any matters addressed herein.