Jim Boldt, Kansas City Retirement Planning, Investment Advisor
It’s never too early to prepare for retirement. And it’s never too late. If you haven’t already, you should begin the process of retirement planning, because it will get here before you know it.
I understand that it’s easy to put off. It’s tempting to hope you’ll somehow find enough resources to retire on. Maybe you’re resigned to a life of full-time work until you’re 75 or older. Retirement planning requires you to consider some difficult questions:
- Will I have enough saved to live comfortably in retirement?
- What happens if I run out of money?
- What will I do if my health declines?
And perhaps the toughest question of all:
Where do I even begin?
I can help you answer those questions and many more.
Jim’s 3-step process can help you prepare for retirement
There’s more to retirement planning then putting money in a 401(k) or IRA. Being ready for those years requires you to focus on three key areas:
- Investing to save money for retirement. I’ll help you make investment decisions to fully utilize your retirement assets in a tax-efficient manner.
- Generating a stream of retirement income. The day you retire isn’t the end of your retirement plan; it’s halftime. You’ll also need a strategy to produce income streams to cover your expenses and retirement lifestyle, while minimizing the impact of taxes and inflation.
- Preserving your retirement assets. Asset preservation is a must during both the accumulation and income phases of retirement. Your retirement plan must include strategies to minimize the effects of illness, market declines, inflation and other potential negative events.
As the principal of independent O’Malley-Boldt Financial, I can work with you to build a retirement plan that wisely and efficiently invests your money, generates income and preserves assets. I can oversee all your investment, insurance and planning needs.
A retirement plan that’s personalized for you
Retirement planning is not a one-size-fits-all exercise. Every plan is different because no two people have the same income, the same goals, or the same circumstances.
You can count on O’Malley-Boldt Financial to personalize a retirement plan for your specific needs. Because I work independently of insurance carriers and financial services firms, I’m not required to sell you a specific company’s products. I can personalize a retirement plan for your specific needs.
Being independent also enables me to devote the time and energy that’s necessary to fully understanding your:
- Current and anticipated income and assets
- Anticipated retirement age
- Goals and aspirations for how you hope to spend those retirement years
- Goals for your family
- Intentions for the legacy you hope to leave
- Risk tolerance
If you don’t know the answers to these questions, don’t worry. I’ll talk you through the process and help you figure them out. Then I’ll give you an honest assessment of where you’re at and where you’re headed.
Whether you’re just starting your career or headed toward the finish, set up an appointment today with me, Jim Boldt, agency principal and retirement planning specialist at O’Malley-Boldt Financial.
*Investment advisory services offered through LexAurum Advisors, LLC, an SEC registered investment adviser.
