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Planning for Your Future

Helping you preserve the long-term tax-deferred growth of your investments

Economically, Americans have never faced the current retirement challenges that they do now. With low inflation, low interest, and unreliable Social Security Trust Funds, you need a plan to support the retirement lifestyle you expect. Our financial advisors develop retirement income strategies for retirees, pre-retirees, and those who are still decades away from the close of their careers.

401(k)s and IRAs

A 401(k) and Individual Retirement Plan (IRA) are often the greatest income sources during retirement. In addition to the planning efforts above, our advisors review Roth conversions, inherited IRAs, IRA Rollover, spousal IRA rollover opportunities. These options, or a combination thereof, can help preserve the long-term tax-deferred growth of your investments.

Answers to Retirement Questions

Carolina Wealth Partners helps answer the important questions about retirement planning.

We work with you to review your assets, retirement goals, lifestyle and unique needs to determine when to make retirement contributions, how much to contribute, and how often. Of course, it’s never too early to start contributing to a retirement fund. However, a plan can help provide peace of mind that the contributions you’re making now will support what you need later on. Many variables contribute to optimal contributions, especially if you’re interested in retiring early.

One of the key matters we review during retirement planning are your existing assets and savings. Apportioning assets and investments will hinge on the nature of the assets and funds in question. Asset management involves discussions regarding whether you want to ensure your investments are shielded from creditors in retirement, accessible to a spouse or partner should they outlive you, and more. Our advisors also review trusts and estate planning efforts, such as Medicaid Trusts and Miller Trusts, that can optimally structure assets for retirement.

As of this writing, Medicare becomes available when you reach age 65. However, you might retire before then or need supplemental coverage past 65. Our financial advisors help bridge gaps in retirement coverage during retirement, and advise on Long-Term Care (LTC) strategy to prevent depletion of assets should health decline unexpectedly.

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