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.