Every step of our process revolves around you!
A documented strategy serves as a benchmark to monitor progress accurately and comprehensively outlines the steps for achieving retirement success. A well-articulated financial plan not only reduces the likelihood of confusion, errors, and misunderstandings but also substantially enhances the chances of a prosperous retirement.
One of the primary concerns that nearly every retiree faces is the fear of depleting their finances. Retirees must secure a reliable income source, seeking assurance that their funds will last throughout their lifetime.
While the concept seems straightforward, many retirees find it challenging to navigate the process and encounter conflicting advice. To dispel the apprehension of running out of money, it is crucial to establish “Certain Income” – a guaranteed stream of income that continues for the entirety of one’s life, ensuring ample funds for all needs and desires.
At Edward Financial Group, we’ve identified the most effective approach to alleviate retirees’ financial concerns: ensuring a guaranteed monthly income that lasts a lifetime.
At this moment, if the stock market experiences a downturn, have you considered the potential extent of your losses? The reality is, you may not be fully aware, and the magnitude could be more significant than anticipated, possibly exceeding your capacity to endure. It is crucial to ascertain your risk exposure in written form – akin to a cardiac stress test for your heart, a risk stress test for your portfolio is imperative. Once you have a clear understanding of your current risk profile, determining your subsequent financial moves becomes more straightforward.
At Edward Financial Group, we guide retirees in identifying their paramount financial objective: safeguarding assets against substantial losses, optimizing income, and enhancing the likelihood of sustained financial security throughout their lifetime.
Numerous retirees believe they are only incurring a 1% total fee on their portfolios, based on what is visible in their statements or what their broker has communicated. However, it may come as a surprise to discover that, similar to the majority of retirees we’ve assisted, the actual fees could be upwards of 3% or even higher annually. Such fees could significantly impact your retirement plans. Beyond enhancing fee transparency, we have consistently reduced total fees, encompassing advisory fees and concealed charges, for the majority of our clients.
To mitigate fees, it is crucial to comprehend the full spectrum of potential charges, a task we can assist you with. Our advanced software enables us to uncover even the hidden fees. While it may be disheartening to realize you may have paid excessive fees in past years, the positive news is that a complimentary financial planning review with us ensures you no longer pay more than necessary in fees moving forward.
The majority of our clients express a desire to ensure a lifetime of financial security, steer clear of significant losses, relish a fulfilling retirement, utilize their assets for income generation, and pass on any remaining wealth to their beneficiaries. Preferences vary, with some clients aiming to maximize the legacy for their loved ones, while others prioritize maintaining their current lifestyle over leaving a larger inheritance.
At Edward Financial Group, we tailor plans to align with your specific aspirations for yourself and your family. There’s no one-size-fits-all approach – we assist you in planning for your individual goals, recognizing that there is no definitive right or wrong answer.
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