Retirement Planning Alpharetta GA

Planning ahead for retirement is vital for people of all ages who wish to be financially independent once they opt to retire. Money can be allocated to investments or set aside in savings plans in order to avoid being used too early, though investments do involve some degree of risk. Many people save for retirement through employer-sponsored defined contribution plans, such as IRAs, 401(k)s, and profit sharing plans. Other types of plans and DIY retirement planning are also options and all of the available avenues are generally characterized by tax advantages.

Michael Dayoub
Union Hill Financial Planning
(770) 361-3139
2625 Bethany Creek Court
Milton, GA
Expertises
Helping Clients Identify & Achieve Goals, Tax Planning, College/Education Planning, Retirement Planning & Distribution Rules, Insurance Related Issues, including Annuities
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Don Whalen
Versailles Financial, LLC
(770) 998-5047
2650 Holcomb Bridge Road
Alpharetta, GA
Expertises
High Net Worth Client Needs, Retirement Planning & Distribution Rules, Planning Concerns for Corporate Executives, Advising Employee Benefit Plan Participants, Advising Entrepreneurs, Advising Medical Professionals
Certifications
NAPFA Registered Financial Advisor, CFP®

James Daniel
The Advisory Firm, LLC
(678) 566-3711
12600 Deerfield Parkway, Suite 100
Alpharetta, GA
Expertises
Retirement Plan Investment Advice, Retirement Planning & Distribution Rules, Helping Clients Identify & Achieve Goals, Ongoing Investment Management, Middle Income Client Needs, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, CFP®

Gary Bell
Ronald Blue & Co., LLC
(770) 280-6000
300 Colonial Center Pkwy, Suite 300
Roswell, GA
Expertises
Ongoing Investment Management, High Net Worth Client Needs, Estate & Generational Planning Issues, Helping Clients Identify & Achieve Goals, Retirement Plan Investment Advice, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, MAcc

Tamara Shelabarger
Everyday Steward, a division of Ronald Blue & Co., LLC
(770) 280-6172
300 Colonial Center Parkway, Suite 350
Roswell, GA
Expertises
Hourly Financial Planning Services, Ongoing Investment Management, Helping Clients Identify & Achieve Goals, College/Education Planning, Retirement Plan Investment Advice, Middle Income Client Needs
Certifications
NAPFA Registered Financial Advisor, CFP®

Jeff Bernier
TandemGrowth Financial Advisors, LLC
(770) 641-6360 Ext: 10
3820 Mansell Road, Suite 290
Alpharetta, GA
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, Helping Clients Identify & Achieve Goals, College/Education Planning, Retirement Plan Investment Advice, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CFP®, CFS, ChFc

Norris Edmonson
Beacon Financial Advisers, Inc.
(678) 750-1700
4555 Mansell Rd., Suite 300
Alpharetta, GA
Expertises
Ongoing Investment Management, Tax Planning, Retirement Plan Investment Advice, Retirement Planning & Distribution Rules, Estate & Generational Planning Issues, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, BS, CPA/PFS

Jeffrey Chinery
Everyday Steward, a division of Ronald Blue & Co., LLC
(770) 280-6172
300 Colonial Center Parkway, Suite 350
Roswell, GA
Expertises
Hourly Financial Planning Services, Ongoing Investment Management, Middle Income Client Needs, Retirement Planning & Distribution Rules, College/Education Planning, Helping Clients Identify & Achieve Goals
Certifications
NAPFA Registered Financial Advisor, CFP®

Michael Searcy
Ronald Blue & Co., LLC
(770) 280-6000
300 Colonial Center Pkwy, Suite 300
Roswell, GA
Expertises
Estate & Generational Planning Issues, Ongoing Investment Management, Charitable Giving - Trusts & Foundations, High Net Worth Client Needs, Planning Issues for Business Owners, Financial Issues Between Generations
Certifications
NAPFA Registered Financial Advisor, ChFc, CLU

Philip Fox
Ronald Blue & Co., LLC
(770) 280-6000
300 Colonial Center Pkwy, Suite 300
Roswell, GA
Expertises
Ongoing Investment Management, High Net Worth Client Needs, Charitable Giving - Trusts & Foundations, Financial Issues Between Generations, Estate & Generational Planning Issues, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, CPA/PFS

Retirement Planning

By: Jonas Zamora
Jonas Zamora is a Certified Financial PlannerTM professional. You may contact him at jzamora@zacks.com

Closing in on retirement?

Are you closing in on retirement? If your goal is to retire in the next five years, you are in that critical stage in the retirement planning cycle. You have to take care of details like your 401(k) distributions or rollover, exercise of stock options, pension distributions, and when to take social security payments. Then there's figuring out what you need to draw out of your investments when that big day arrives. What you do in the first five years after retirement will also play a key role over the following 25-30 years.

First, let's discuss your first steps five years before going off into retirement bliss:

1. Put more money away. I read an article that says we are saving too much for retirement. That is bunk! Let's say your retirement target is 65 years of age. Most of you will be able to and should contribute extra to your 401(k) after reaching 50 years of age. That amount is $15,500 per year plus catch up amount of $5,000. Over a 15-year time frame for someone who is 50 years old today, assuming a 7% annual return, the savings by age 65 amounts to over $500,000. Without the extra $5000 in contributions, you would only have around $376,000.

2. Over the last year to two years before retirement, consider being more conservative in your 401(k). Don't leave a majority of these assets in employer stock! If the market takes a nosedive, you still have a great base to invest and live off of when you retire. Diversify.

3. Remember to exercise those in-the-money stock options. Many folks get so excited about their last day at the office, they forget about exercising the valuable stock options while still profitable.

4. Place money in an emergency fund with 1-2 years worth of living expenses in a cash or CD account....

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