Planning for Retirement

Retirement today means something different than in previous generations. People are feeling younger and living longer. Some are choosing to remain in the workforce – either by continuing in their professions or enjoying encore careers. Many are planning for an active lifestyle, one that might include travel to once-in-a-lifetime destinations. As we live longer, we also must consider the increasing costs of healthcare and long-term care, as well as the need for our money to last for not just a few years, but potentially decades. Your Raymond James advisor has the expertise and resources to help you plan for all of the things you want to do.


Envisioning Retirement

There’s so much more to retirement these days than simply not working. The possibilities are boundless. Your Raymond James advisor will help you envision the specifics of the retirement lifestyle you want, and help you develop a plan that’s just as specific to turn those dreams into reality.

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Retirement Income

Just because you no longer receive a paycheck doesn’t mean you won’t need steady income. The planning process continues into your retirement. Your Raymond James advisor will work with you to develop an income stream designed to last a lifetime and help ensure a secure and comfortable retirement.

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Social Security

In theory, Social Security seems simple. But this retirement benefit is in fact quite nuanced, with a number of variables to consider – including when to start collecting, how to maximize your benefit and what to do if you choose to go back to work. Your Raymond James advisor can guide you through the decision-making process to help you to make choices that best suit your income needs.


Health & Long-term Care

As we live longer, we also increase the likelihood that, one day, each of us could face a health issue or need long-term care. The increasing costs of such care can test the limits of anyone’s wealth. Your Raymond James advisor can help you consider ways to alleviate those costs, as well as the stress of providing quality care for loved ones.

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Longevity Planning

Living longer means you will want to preserve your standard of living as you grow older. You will want to have comfortable housing and reliable modes of transportation to stay mobile. And you’ll want have to have quality care when you need it. Your Raymond James advisor can help you identify sophisticated solutions for living not just a longer life, but a fulfilling one.

 

Commentary & Insights

Estate & Giving

8 essential documents for your estate plan

Your estate plan should include more than just a will. Review the documents you’ll want to prepare and the role each one plays in carrying out your intentions.

Read Article about 8 essential documents for your estate plan
Markets & Investing  |  March 9, 2021

Does inflation threaten this bull market?

No, says CIO Larry Adam – if the move is gradual. “When core inflation has been between 1% and 4%, the S&P 500 has actually been able to notch above-average performance.”

Watch Video about Does inflation threaten this bull market?
Retirement & Longevity

Remember: RMDs waived for 2020, not 2021

The CARES Act suspended required minimum distributions for 2020, but the exemption hasn’t been extended. Keep relevant 2021 deadlines in mind.

Read Article about Remember: RMDs waived for 2020, not 2021

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