Whether you’re five years away from retirement or 20 years away from retirement, we’ll help guide you through the steps necessary to secure enough assets for your optimal retirement lifestyle. After evaluating your current financial situation, we’ll identify the income sources and opportunities that are most advantageous for you as you prepare for your life past employment.
OUR RETIREMENT PHILOSOPHY IS SIMPLE
We understand that you're busy and don't have the time to manage your financial life alone. We help you turn temporary prosperity into lasting wealth.
Topics include, but are not limited to, the following:
- Asset Allocation Review
- Risk Assessment: Market declines, Taxes, Social Security, Longevity, Inflation, Health Care, Asset Return.
- Education Planning
- Business Planning
- Retirement Analysis / Retirement Income Analysis: How to create a ‘paycheck for life’, as you head into retirement.
- Insurance Needs Analysis
- Budgeting
- Debt Management
- Account Aggregation: Monitor all financial accounts in one location. We call this ’The Family Financial Website’.
- Social Security Optimization: There are over 80 claiming strategies for married couples. We cut out that noise.
- Tax Planning: Optimize after-tax retirement income, minimize taxes.
- Estate Planning: Share your planned outcomes with family and work to minimize estate taxes.
Our retirement planning services involve:
1.) Reviewing
Your overall financial strategy and ensuring you are aligned with your objectives and goals. Simply put, 'where's all my financial 'stuff' located?' We create that road map for you.
Who builds a home without a blueprint? Retirement planning should be no different, hence the visual, the Blueprint.
Source: RCapital
2.) Optimizing Income in Retirement
Everything; your assets, liabilities, income, and expenses so you continuously make decisions that benefit your broader financial picture.
Snapshot: 'an impression or view of something brief or transitory' Merriam-Webster
Just as in photography, we can provide a quick overview of your life's goals, or the multi-page, cash flow details, called 'The Snapshot'.
Source: RCapital
3.) Optimize Your Social Security Benefits Claiming Strategies.
Married couples, did you know there are 'only' 81 ways to claim your Social Security benefits? Our reports optimize claiming strategies regardless of your household composition; individual, spouse, partner, let us help you optimize your benefit claiming strategy.
Efficiently compare Social Security filing options within each client plan. Quickly pinpoint optimal filing age for maximum benefits and analyze the break-even point between each option.
Source: RCapital
4.) Tying it all Together: The Need for Holistic Advice... Say hello to 'The Family Financial Website'
The Family Financial Website will allow you, the client, to create, for perhaps the very first time, a holistic view of your entire ‘financial picture’. You will be able to receive targeted financial guidance from Gratke Wealth on any or all of your financial positions regardless of the location of your investments.
As an example; get help managing self-directed accounts such as your employer sponsored 401(k) plan or employer sponsored stock option plans. By having a complete view of your financial picture of your assets, you will be ‘educated, empowered and enlightened’ to make better, more targeted decisions about your financial life!
Family Financial Websites uses unmatched security – Family Financial Websites leverages the same technology that is used by the world’s leading financial institutions to safeguard Internet banking portals, so we at Gratke Wealth and our clients can be sure their data is protected.
The benefit to you includes complete monitoring and management of your entire financial portfolio. Receive accurate and targeted financial guidance by Gratke Wealth thereby increasing your probability for financial success. No overlapping of activities, no gaps in activities.
The Family Financial Website now includes a secure document vault for you to place key family documents and share them with trusted family members and key trusted advisors.
Track your financial success from your pocket.. ok, your smartphone device.
Our Family Financial Website addresses the need for holistic financial advice, to our core philosophy of acting in the client’s best interest, we are pleased to be of service to you so that you may….
Plan Well, Retire Happy
Contact Us: Click here to set an appointment.
5.) Optional Services: Employer Equity Compensation
Do you receive a form of your compensation in employer stock? Keep in mind, in addition to your equity compensation, your paycheck, most likely your employer 401k match, your healthcare benefits, are all dependent upon one thing, your employment with your employer. That's a lot of eggs in one basket. We can help you answer questions such as:
- How much employer stock should I hold?
- When Should I Reduce my Employer Stock Holdings?
- How Much Taxes will I pay?
Source: RCapital
Contact Us: Click here to set an appointment.
If you have stock options, our analysis is an important tool – especially in the current market environment. For a consultation, please contact David Gratke to begin the discovery process together.