Serving Central Pennsylvania

Personal Strategies

Retirement Needs Review

Grandfather holding hand of child.

Are you hoping to retire in the next 10 years or so?

It’s never too late to get a second opinion or establish a new financial planning relationship.

We can help you evaluate and create goals to help you determine how much you need to retire comfortably and on the schedule you want.

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If You Are Nearing Retirement

During the last 10 years or so of your working career, your mindset should shift from the accumulation phase — save, invest, repeat — to the distribution phase.

In the distribution phase, you’ll need to answer this question: How will I make my portfolio last the rest of my life?

We can guide you through that conversation, relying on our years of experience and hundreds of clients we have helped in a similar situation as yours.

Retired couple looking out at ocean.


The Big Question: How Much Do I Need To Save If I Want To Retire in 10 years?

The answer varies greatly.

Your situation is unique, so there isn’t one number we can point to as “The Number.”

What you need to save depends on how you answer the questions outlined below. Once we have those questions answered, we’ll help you determine the size of the gap between what you’ve already saved and where you need to be to reach your retirement goals.

After we meet and complete your retirement needs review, we will tailor a plan so you can have confidence heading into retirement, regardless of what the day’s headlines say.

Grandparents driving with grandkids in the car.

Topics & Questions We’ll Cover in a Retirement Needs Review

Planning for Hobbies & Free Time

  • Will you be permanently done working, or will you work part-time?
  • How do you plan to spend your free time?
  • If your free time includes expensive hobbies, how will you pay for them?

Social Security

  • What is the most efficient Social Security strategy for your situation?

Tax & Estate Planning

  • What are your plans for efficient tax strategies during retirement?
  • How will you handle market volatility in retirement?
  • How do you plan on passing along your estate?



Do I Need a Retirement Needs Review?

While it’s a cliché, most people spend more time each year planning their 1-week vacation than planning for retirement.

But if you’re reading this, you’re probably not like most people.

Consider this: When you decide to leave the workforce, your employer will likely replace you with a younger (and cheaper) employee. Returning to work at your previous pay level after retirement might be difficult (or not an option at all).

Before leaping into full retirement, it is wise to have a retirement needs review. This review can give you clarity so you can:

  1. Make an educated decision about your retirement readiness
  2. -OR-

  3. Assess what still needs to be done and how long it will take for you to retire on your terms.


About Us

We believe that a commitment to listening and asking the right questions is critical to your success in our needs-based approach.

That success depends largely on getting to know you so that we can understand what you value, your short- and long-term goals, and what keeps you awake at night.

About Us