Retirement Planning
A plan for the life you want in retirement — not just the portfolio behind it.
You've spent decades saving. The harder question comes next: how does that turn into a paycheck you can count on, for a retirement that could last thirty years or more? That's the work we do together, and it's a full financial plan, not just investment management.
This is what Retirement Planning means to us:
The Whole Picture
Approaching challenges with the whole family in mind.
Creating a Financial Plan
We aren't just talking about investments and then calling it quits.
Making It Tangible
We want to help you and your family LIVE life together.
From savings to a plan that works day to day
A retirement plan should answer practical questions. When should you claim Social Security, and how does that decision interact with your other income sources? When should you shift how your investments are positioned, and by how much? How do you protect the plan if the market has a rough stretch early in retirement, when a downturn can matter more than one later on, simply because of when it happens? We walk through these questions with you, in plain language, so the plan reflects how you actually want to live, not a generic formula.
Healthcare and the timing questions that come with it
Medicare eligibility and the choices around it tend to arrive at the same time as other big transitions. We help you think through the timing so healthcare decisions fit into the broader plan instead of feeling like a separate scramble.
The question underneath it all: will this last?
Most of what we hear from clients comes down to one worry: will this money last as long as I need it to? We build your plan to give you a real, honest answer to that question, and we revisit it as life changes. We work particularly closely with people navigating retirement transitions: those retiring in the next few years or recently retired, people who are suddenly single, and women navigating a new chapter on their own. A good plan should make room for what matters most, including time together — especially the time your family spends at the lake.
What's included
- A retirement income plan that coordinates Social Security timing with your other resources
- A look at how to manage risk around the early years of retirement
- Healthcare and Medicare timing considerations as part of the broader plan
- Ongoing check-ins as your life and goals change
Benjamin A. Simerly, CFP®, founder of Lakehouse Family Wealth, offers advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Lakehouse Family Wealth is not affiliated with Cambridge.