Retirement

Retirement Planning for Pre-Retirees

Helping You Transition into Retirement with Confidence

At Opes Wealth Management, we specialize in helping pre-retirees transition into retirement with clarity, structure, and purpose.

Comprehensive Retirement Planning

We help you build a personalized financial plan that aligns your:

• Investments and assets
  
• Retirement income sources
  
• Spending goals
  
• Long-term financial objectives
  
• Legacy planning goals
  

Tax-Efficient Retirement Strategies
We help structure your retirement assets across the three tax buckets:

• Taxable accounts
  
• Tax-deferred accounts
  
• Tax-free accounts
  

Our goal is to:

• Help manage your tax liability throughout retirement
  
• Improve tax efficiency when generating retirement income
  
• Help you keep more of what you've worked hard to earn
  

Retirement Income Planning

We develop income-focused strategies designed to:

• Create reliable retirement cash flow
  
• Support your desired lifestyle
  
• Balance income needs with long-term growth potential
  
• Help improve the sustainability of your retirement income
  

Guaranteed Income Solutions

When appropriate, we may incorporate insurance-based strategies that can provide:

• Guaranteed lifetime income*
  
• Predictable retirement cash flow
  
• Protection against longevity risk
  
• Greater confidence during market volatility
  

*Guarantees are based on the claims-paying ability of the issuing insurance company.

Risk Management
We help coordinate strategies to address:

• Market volatility
  
• Sequence of returns risk
  
• Longevity risk
  
• Healthcare and long-term care planning considerations
  
• Inflation's impact on retirement income
  

An Integrated Retirement Strategy

Every recommendation is coordinated within your overall financial plan by integrating:

• Investment management
  
• Tax planning strategies
  
• Retirement income planning
  
• Risk management
  
• Estate and legacy planning
  
  

Who We Help
Our retirement planning services are designed for individuals who are:

• Within 5–10 years of retirement
  
• Recently retired
  
• Looking to create a tax-efficient retirement income strategy
  
• Seeking greater confidence and clarity about their financial future
  

Our Commitment
Our goal is to simplify your transition into retirement by bringing together your investments, taxes, income, and risk management into one coordinated strategy designed to support your long-term financial goals.

Investment advisory services are offered through the appropriate registered investment adviser. Investing involves risk, including the possible loss of principal. Insurance products and guaranteed lifetime income solutions are subject to the claims-paying ability of the issuing insurance company and may not be appropriate for all investors. Tax planning services do not include tax or legal advice. Please consult your tax and legal professionals regarding your specific situation