As you near retirement, it’s important to shift your financial objectives. You move from saving and growing your money to generating income from Social Security, investments, and possibly a pension. With the potential for a 20- to 30-year retirement, you’ll need a well-thought-out plan to ensure reliable, lifelong income.
Our Philosophy & Approach to Retirement Planning
1. We help you prepare for a changing world
You’ll need to consider a variety of unknowns when planning for retirement, including inflation, taxes, and interest rates. Change is inevitable, so we model how different economic conditions, government policies, and future life events could affect your retirement income and financial security.
2. We help you maximize after-tax income
At Johnson Brunetti, we believe managing tax liability is a critical part of retirement income planning. We focus on your lifetime tax obligation rather than your annual income taxes. Our goal is to help you keep more of what you earn and increase your spendable retirement income.
3. We like to keep things simple
Ask most financial advisors for a retirement income plan and they’ll give you a 4-inch-thick document that you’ll look at once. We keep it simple – our one-page Money Map plan is clear, concise, actionable, and written in plain English.
4. We offer you guidance, not rules
When we create a financial plan, we make sure it can adapt. Your plan is a living document that provides guidance as well as flexibility to fit your needs and objectives. Our goal is to help you make smart financial decisions so you can live your best life.
When creating an income plan, it’s important to consider how much after-tax income you’ll need to live your ideal lifestyle. 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 are not having enough income and outliving their savings. Bridging the gap between these worries and a sense of confidence starts with gaining clarity about your situation. With a tailored financial plan, you’ll know where you stand right now and how to shape a stable financial future.
Where We Come In With Retirement Planning
Johnson Brunetti can help you determine how much retirement income you’ll need to support your chosen lifestyle. We’ll first look at your guaranteed sources of income, like Social Security and corporate pensions. Then we’ll calculate the income your personal savings can provide with a reasonable rate of return.
If you have an income shortfall, you’ll know and can take appropriate action. If you discover you have surplus income, you may consider retiring sooner or reducing your investment risk. In short, we can simplify the planning process with an easy-to-understand, one-page Money Map Retirement Review.
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Joe D.
“Your model is working well, continue to keep your focus on your clients. The podcasts are an effective way of communicating information and real life stories. Your business is supporting your clients’ many different real life stories.”
Testimonials received in response to Johnson Brunetti survey conducted in 2024. Please click here for a description of the survey and the overall results.
John L.“We are extremely please with J&B. Referring back to our one word, Family, we trust your firm, advisors, and services as we would a member of the Family. Thank you for everything!”
Testimonials received in response to Johnson Brunetti survey conducted in 2024. Please click here for a description of the survey and the overall results.
Jackie L.“I love how everyone in the company makes us feel. Like we are one big happy family. I wouldn’t change anything! “
Testimonials received in response to Johnson Brunetti survey conducted in 2024. Please click here for a description of the survey and the overall results.
Laura H.“Your corporate values and mission have stayed constant which we’d say is the primary reason we are so satisfied. We believe that mission should never change.”
Testimonials received in response to Johnson Brunetti survey conducted in 2024. Please click here for a description of the survey and the overall results.
Barbara S.“We are very happy with Johnson Brunetti. It has really taken a load off our shoulders. Thank you.”
Testimonials received in response to Johnson Brunetti survey conducted in 2024. Please click here for a description of the survey and the overall results.
Christine Q.“Your services are exemplary and greatly appreciated by my husband and myself to live out our retirement years feeling safe and secure. Thank you!”
Testimonials received in response to Johnson Brunetti survey conducted in 2024. Please click here for a description of the survey and the overall results.
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
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Determine whether their savings are 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
We also provide valuable insights into:
Welcome to Our New Website!Everything was designed with you in mind, making our retirement planning resources more easily accessible to you.
