We Focus on Five Core Areas of Retirement Planning

Every American should be thinking about the five core areas of retirement planning.
Saber & Shield provides comprehensive education and services to its clients in each of these areas:

• Budget & Income (savings & leveraging discretionary income)

• Investments (portfolio design & management)

• Life Insurance & Long-Term Care (customized coverage for your situation: not too much, or too little)

• Tax Optimization (minimize tax burden and maximize tax advantages in withdrawals, as part of management)

• Legacy Planning (utilizing trusts & wills to ensure your legacy)

We believe every American should have a solid plan for the above five core areas. As a registered investment advisor and fiduciary, Saberon is uniquely positioned to help clients with the most basic questions: “Will I run out of Money?”, or “How much will I have to spend” in retirement, or “How much money can I leave to my heirs (legacy)”. The Saber & Shield process takes your existing income, budget, investments, and time horizon and runs simulations to determine your probability of having enough money in retirement (adjusted to the parameters of inflation and age at death). All future sources of income are accounted for, such as social security, pensions, rental or business income, and investments. A personalized retirement plan is then developed for you, with recommendations, on how to improve your plan and projected numbers.

Planning for sufficient income in retirement isn’t enough. Your biggest expenses in retirement may very well be taxes. These issues are addressed in the plan design. Saberon regularly consults with qualified CPAs on tax strategies for investing wisely and avoiding massive tax consequences in retirement.* Another main focus is long-term care. Nothing can drain a portfolio faster than long-term care needs. Like many things in life, no decision is a decision, and Shelby helps his clients prepare for possible long-term care needs through building a higher net-worth nest egg and “self-insuring” or looking at appropriate longterm care insurance options.

Finally, Saberon helps his clients with basic estate planning questions, identifying beneficiaries, and recommending the use of wills and trusts (set up by qualified will and trust focused law firms).* What will your legacy be? And what can you do to ensure that your money goes where you want it to go?

Many firms will charge $5000 or more for these kinds of plans. For its clients, Saber and Shield develops a comprehensive retirement plan covering these five core areas at minimal cost. Sign up for a free Educational Workshop on retirement planning for your group of 10 or more today, or for a free financial consultation, below.

*This information is designed to provide general information on the subjects covered. It is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Saber & Shield Wealth Management and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

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