Individual Retirement Services

Because peace of mind matters more than ever.

As retirement approaches, it’s natural to have questions—and even a few worries—about the road ahead. You’ve worked hard to build your life, your home, and your savings. Now it’s time to make sure everything is working together to support the retirement you deserve.

Most people tell us they’re thinking about questions like these:

The 8 Most Common Retirement Concerns We Hear

• Will I have enough savings, so I don’t outlive my resources?
• How can I protect and preserve my retirement savings from market losses?
• What’s the smartest way to roll over my employer 401(k) into a personal IRA?
• Can tax conversion strategies help reduce taxes on my retirement accounts?
• When should I begin Social Security—and how will it affect my taxes?
• Is it time to put my will and trust in place?
• If I ever need long-term care, how can I protect myself and my family?
• How can I protect my estate—legally and financially—for the people I love?

You Don’t Have to Figure This Out Alone

For years, we’ve helped individuals, homeowners, business owners, and employees navigate these exact concerns. Our approach is simple, educational, and personal—no pressure, no obligation.

We offer a complimentary retirement consultation to review where you are today and explore ways to strengthen your plan for the years ahead. You’ll leave with greater clarity, confidence, and a better understanding of your options.

Take the Next Step—On Your Terms

Scheduling your no-obligation consultation is easy:

• Go to the Calendly link below next to my name and schedule the time that works best for you to have your individual no-obligation consultation
• Or leave your contact information on our website, and we’ll reach out

Thank you for taking the time to read this. We hope it gives you clarity—and peace of mind—as you look ahead to the next chapter of your life.

Warm regards,
Ed Rieger

Estate planning is organization of your affairs in order to effectively deal with the prospects of lost capacity and death. Estate plans will typically include a few documents. Some of the key documents in most plans:

• Health care power of attorney – will provide direction and legal approval for whomever will make decisions for you with doctors or other healthcare providers should you be unable to represent yourself. This is managed through a health care power of attorney.
• Living Will (or healthcare directive) – provides instructions for medical staff, in the event that you go on life support or require life-saving efforts to stay alive.
• Revocable living trusts – are drafted in addition to wills for more complicated estate-planning requirements. In these trusts, assets can be protected from taxes and probate. Instead of going through probate court, a trustee is appointed to manage the trust and makes decisions about trust assets. Trusts not only avoid probate but also the expense of requiring a probate attorney, paying court costs and having assets appraised.
• Financial power of attorney – appoints someone of your choosing to handle your financial affairs.
• Will – your Last Will and Testament, “will” is a simple but detailed list of instructions as to how and to whom you wish to leave your property after you die.

Understanding your family needs and getting your estate plan “just right” can have profound and positive consequences for those left behind. In addition to basic estate planning tools, family estate plans often require making special provisions for the ongoing management of estate assets for a spouse in long term care, a child with special needs or asset equalization amongst children, some of whom may have inherited a family business and others who did not.

• Having a spouse in long term care can be a weighty issue. We can assist in establishing a plan to ensure that even when you are gone, your spouse’s needs will be met.
• Families sometimes have children with special needs. Making sure that your estate continues to provide for them, even when you can’t, is a great comfort.
• The creation of distribution options is important if you should have heirs that may not be able to manage the proceeds of your estate. There are good options available for those beneficiaries in need of long-term support and oversight.
• Finally, the issue of estate asset equalization may be of great importance for your family, especially if there’s a family business involved. Working to establish equalization will support family harmony after you are gone.

Business Planning Group looks forward to working with you, your attorney and tax advisor to establish and meet your estate planning expectations. We work with some of the top local estate attorneys and CPA firms and if needed, we would be happy to connect you with them.