Retire with an Income Strategy

As you approach retirement, it’s important to plan ahead for the time when you’ll no longer earn a regular salary. Soon, the objective of accumulating savings for retirement will be replaced by the goal of generating income from personal savings, Social Security, and possibly, a pension and other sources. You’ll need income for the rest of your life, which in today’s world could mean more than 30 years of retirement. Achieving that goal requires a well thought-out plan that can provide stable income you can count on.

How do you begin the process of creating this type of plan? A good place to start is by asking yourself what kind of lifestyle you’d like to lead and how much after-tax income it will require. If you’re comfortable with your current lifestyle and budget, use this information as a basis for comparison.

Two of the biggest fears pre-retirees face is lacking enough income for a comfortable retirement and outliving their savings. It doesn’t have to be that way. A tailored financial plan tells you where you stand right now and helps you shape a financial future that leaves nothing to chance.

Where We Come In With Retirement Planning

Johnson Brunetti can help you determine how much retirement income you’ll have and whether the amount will be suitable to support your chosen lifestyle. We’ll look first at your sources of guaranteed income, like Social Security and corporate pensions, then calculate the income with a reasonable rate of return that your personal savings can provide.

If you have an income shortfall, you’ll know and can take the appropriate action. If you have more than enough income – and many people are surprised to find they do – you can decide to retire sooner than you expected and lower the investment risk you take. In short, Johnson Brunetti can simplify the planning process and create an easy-to- understand, actionable plan (our one-page Money Map Plan) that can address all the essentials for a financially secure retirement— how to save, how much to save, how to pay off debt, how to generate income from your savings, how to make the most of guaranteed income sources, like Social Security and ways to make your money last a lifetime.

By Working With Our Retirement Planning Team, Clients Are Able To:
  • Estimate the monthly retirement income necessary for their chosen lifestyle
  • Identify their sources of retirement income
  • Estimate how much guaranteed income they’ll receive
  • Determine whether their savings is sufficient for their income objectives
  • Develop strategies to address any savings shortfalls
  • Identify realistic rates of return for their risk tolerance
  • Select the retirement accounts they should draw income from first and why
  • Find the ideal time to start taking Social Security
  • Make a decision about paying off or carrying a home mortgage in retirement
  • Enjoy an income they can’t outlive/Make sure they don’t outlive their money

Our Philosophy & Approach to Retirement Planning

1. We help you prepare for a changing world

When you plan for the future, there are a variety of unknowns to consider, including inflation, income and estate taxes, and interest rates, among others. While no one can predict exactly what will happen, change is inevitable. That’s why we model the impact that different economic conditions and government policies could have on your retirement income, and therefore your lifestyle and financial security. We’ll also look at the impact of future life events to help protect you from possible financial risks and help prepare you for new opportunities.

2. We help you maximize after-tax income

At Johnson Brunetti, we believe managing tax liability is a critical part of retirement income planning. Our focus on lifetime rather than annual income tax liabilities can help you keep more of what you earn and increase your spendable income in retirement. It may appear that you need more income to live a comfortable retirement lifestyle when what you really need is more tax-efficient income. It’s that simple.

3. We like to keep things simple

Ask financial advisors for a retirement income plan, and many will give you a 4-inch-thick document that you’ll look at once and store on the bookshelf. We create our one-page Money Map plan, which is clear, concise, actionable and written in plain English. In other words, we keep it simple.

4. We offer you guidance, not rules

When we put a financial plan in place, we know it’s not set in stone. Your plan is a living document that provides guidance as well as flexibility. Your needs and objectives are as individual as you are. Our role is to help you make smart financial decisions so you can live your best life.
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  • Sandy and Thomas C.
    Sandy & Thomas C. are clients of Johnson Brunetti and received no compensation for their statement.

    “We always felt our financial needs were in very capable hands. Alex Angst is great to work with. Our advisor always made us feel he had our best interests at heart and explained things so we could understand them.”

  • Robert G.
    Robert G. is a client of Johnson Brunetti and received no compensation for his statement.

    “We’ve been clients of Johnson-Brunetti for > 10 years. We’re enjoying a comfortable retirement as a result. Many thanks to Joel and our CFP, Eric Hogarth. I wish we had plugged into this decade approach back when we were in our 30s.”

  • Lisa D.
    Lisa D. is a client of Johnson Brunetti and received no compensation for her statement.

    “Working with Johnson Brunetti has had a positive impact on my life by providing me with the knowledge, confidence, and peace of mind to move forward with my retirement plans. The process of getting to this point, through their guidance, has been informative and pleasurable.”

  • Ken D.
    Ken D. is a client of Johnson Brunetti and received no compensation for his statement.

    “I view your company as one that puts my interests first. I think that is very uncommon and very refreshing. “

  • Jeanne P.
    Jeanne P. is a client of Johnson Brunetti and received no compensation for her statement.

    “Matt does an awesome job! So easy to understand and he listens to our concerns and addresses them! happy I chose your firm!”

  • Anonymous
    This testimonial was provided by a client of Johnson Brunetti and received no compensation for their statement.

    “I have been pleased with the help and service I have received from the company. I have met several team members on Eric’s team and have found all of them very well prepared to meet with me when reviewing my portfolio. I always feel that I am an important customer and appreciate that very much. I hope the firm continues to focus on the customer and maintains its great service. I think you do a great job for someone like me!!!! I’m happy I chose your firm!”

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    Johnson Brunetti

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