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Retirement Planning

Let your Allen & Company financial advisor help you with retirement planning — and create a unique plan that fits your needs and stage in life. Our team can assist you with tax-deferred retirement accounts, such as 401(k), IRA, and 403(b) accounts as well as rollover strategies and withdrawals prior to age 59 1/2.

Effective retirement planning has three main phases

  1. Accumulation
  2. Pre-retirement
  3. Retirement / Distribution

This is a crucial part of the retirement planning process, as each phase often requires a different investment strategy. Each phase typically has different risk tolerance profiles as well.

During the accumulation phase, most investors can generally benefit from a higher risk tolerance; as investors move towards retirement, however, their risk tolerance typically decreases. Your personal investment risk profile is one of the factors that will help determine the types of retirement plans that are most appropriate for you.

How much do you need to retire?

Trying to figure out how much you will need to live on during your retirement years can be difficult. Your retirement income needs depend on a variety of factors, including: your current age, desired retirement age, and the type of lifestyle you would like to lead in retirement.

But retirement planning doesn’t have to be stressful — your Allen & Company financial advisor is here to assist you. We can help you envision your future, then create a flexible retirement planning “roadmap” that will guide you to that vision. Your advisor will also meet with you to ensure that you have the right investment strategy for current market conditions, factoring in any changes in your assets or retirement plans over time.

Helping our clients pursue financial freedom and work toward their long-term goals is at the heart of what we do.

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