Retirement Planning
Secure Your Future. Retire with Confidence.Let us help you today
Welcome to A & D Financial Solutions, your trusted partner on the journey to a secure and fulfilling retirement. Retirement should be a time of peace, exploration, and enjoyment—not uncertainty. Yet, for many Americans, planning for retirement feels overwhelming. A recent study found that most pre-retirees lack a clear plan for annual retirement spending and their income sources. That’s where we step in.
At A & D Financial Solutions, we’re committed to making your retirement vision a reality. We provide customized retirement planning services that empower you with the tools, strategies, and confidence you need to enjoy this significant chapter of life.
Why Retirement Planning Matters
Retirement planning is more important today than ever before. With rising healthcare costs, fluctuating markets, and increasing life expectancies, retirees face new financial challenges that require thoughtful and flexible strategies.
Did you know that your retirement could last 30 years or more? To maintain your current lifestyle, you may need up to 80% of your pre-retirement income. Yet, the average Social Security benefit is just over $1,200 per month—far from sufficient for most individuals.
Without a structured plan, many retirees ask, “Where will my money come from each year?” Our goal is to eliminate that uncertainty. With a personalized plan built around income diversification, tax efficiency, and long-term investment strategy, we help ensure your financial independence.
Retirement Income Planning
Your retirement success hinges on a well-designed Retirement Income Plan (RIP). This plan aligns your income sources—including Social Security, pensions, and potential annuities—to create reliable monthly income streams. We help minimize your income risk by incorporating guaranteed income sources when needed and addressing any gaps with suitable financial products.
Investment Strategy & Portfolio Management
Investing for retirement doesn’t stop when you retire—it evolves. We offer access to professionally managed portfolios built around your unique goals, timeline, and risk tolerance. Using mutual funds, ETFs, and diversified asset allocations, we aim to generate long-term returns while managing volatility. Our approach includes:
- Multi-asset diversification
- Periodic rebalancing
- Risk-managed growth
- Performance tracking against benchmarks
All investments carry risk, and diversification does not guarantee returns, but it can reduce the risk of loss from a single asset class underperforming.
Tax-Efficient Planning
Many retirees lose wealth unnecessarily due to poorly planned withdrawals and tax exposure. Our strategies aim to help:
- Defer taxes using qualified accounts (like IRAs and 401(k)s)
- Maximize after-tax income
- Reduce Required Minimum Distributions (RMD) burdens
- Strategically sequence withdrawals from different account types
Though we don’t offer legal or tax advice, we help coordinate your plan with licensed professionals to make sure your strategy is tax-smart and aligned with your retirement goals.
Coordinating Social Security & Pensions
Claiming Social Security benefits at the right time can mean tens of thousands in additional income over your lifetime. We’ll walk you through various claiming strategies, evaluate spousal and survivor benefits, and show you how to integrate government and employer-based income into your comprehensive plan.
Annuity Evaluation & Selection
Annuities can be a powerful tool for those looking to reduce income risk. We provide guidance on:
- Fixed annuities
- Fixed indexed annuities
- Variable annuities
- Index-linked variable annuities
We explain the fees, features, income riders, survivor benefits, and payout structures. The right annuity can act as a personal pension, offering lifetime income and a buffer against market volatility.
Insurance & Long-Term Care Planning
Protecting your retirement assets includes safeguarding against the unexpected. We can help you evaluate:
- Term life insurance for income replacement
- Permanent life insurance for wealth transfer or estate liquidity
- Long-term care insurance to offset potentially devastating costs
With rising health care costs and the growing need for elder care, transferring this risk sooner often results in lower premiums and broader coverage.
Legacy & Estate Planning Support
We help you prepare to pass on your wealth according to your wishes. From setting up trusts and charitable accounts to coordinating with legal counsel on estate strategies, we aim to support your long-term vision for your family and community.
The A & D Approach: Personalized, Educational, Results-Focused
Every person’s retirement path is unique. Your goals, your timeline, and your financial picture deserve a personalized solution.
At A & D Financial Solutions, we prioritize financial education. We believe that knowledge is the foundation of financial security. If you don’t understand your plan, you’re unlikely to implement it successfully.
Our commitment goes beyond planning—we empower you to make smart choices with a step-by-step strategy that fits your lifestyle and values.
A Guided Planning Process
Our process breaks retirement planning into four manageable phases:
Choosing the Right Plan
We explore your retirement income needs, savings goals, timeline, and lifestyle priorities. Whether you’re early in your career or close to retirement, we help you select the right savings vehicles and retirement plans, including IRAs, Roth IRAs, 401(k)s, and 403(b)s.
Establishing Your Plan
We assist in:
- Creating plan documents
- Selecting investments
- Organizing recordkeeping
- Notifying participants (for business owners)
Operating & Managing the Plan
We keep your plan aligned by helping you:
- Rebalance assets
- Stay compliant with tax laws
- Understand your real-time financial picture
We use powerful visualization tools to map your entire financial life—investments, debts, retirement accounts, real estate, and more—showing you what the future could look like.
Terminating or Updating the Plan
Life changes, and so should your plan. We help you decide when to terminate, adjust, or restructure your plan to match new circumstances.
When Can You Retire?
One of the most common questions we hear is: Can I retire now—or do I have to keep working? With our support, we’ll run projections and stress tests to show you:
You may discover that you’re in a better position than you thought—maybe even able to retire sooner than planned.
When you can retire confidently
How much income you’ll have after taxes
How long your money will last
Why Choose A & D Financial Solutions?
At A & D Financial Solutions, we serve families—not just the wealthy elite. We provide financial education, personalized strategies, and ongoing support, so you don’t have to face retirement alone.
Our promise is to:
- Help you understand your plan
- Eliminate guesswork
- Deliver a clear roadmap to retirement
- Show how to make smart decisions today to enjoy freedom tomorrow
Whether your goal is to retire early, leave a legacy, or just sleep better at night knowing you have a plan—we’re here to help.
Take the First Step Toward Financial Independence
Start your journey today.
Your financial future deserves attention now, not later. Contact A & D Financial Solutions to schedule your complimentary consultation and discover how we can help you retire smarter, safer, and sooner.
Important Disclosures
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All investments carry risk, including the loss of principal.
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Guarantees are subject to the claims-paying ability of the issuing insurance company.
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Diversification does not guarantee a profit or protection against market loss.
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Variable annuities and mutual funds are subject to market risk and may lose value.
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Tax or legal matters should be discussed with a qualified professional.