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RETIREMENT DIRECTIONS LLC is a financial planning firm dedicated to helping people navigate the new course of retirement. Patricia E. Gottier, the principal, is a CERTIFIED FINANCIAL PLANNER™ professional and Chartered Life Underwriter with over 25 years of experience in financial services. She has developed a SIMPLE, POWERFUL, AFFORDABLE planning method which will generate a personalized Retirement Roadmap for your use in the coming years.
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Whether you are approaching retirement age or already there. . .
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The Retirement Roadmap is a document you not only need but one you can really use—to help guide you through the many decisions you will have to make:
- How long and how much will I need to work?
- Should I delay taking Social Security?
- What are my health insurance options when I reach Medicare age?
- How much investment risk am I willing to take and is my money allocated appropriately?
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If your only concern is retirement income. . .
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You can easily figure out the total amount of income you will need when you retire. And you can probably find a calculator that will take into account inflation and taxes. BUT:
- You have unique priorities;
- Your income and expenses are likely to vary; and
- All expenditures are not created equal.
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And no matter how well we plan. . .
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Life is unpredictable. What if:
. . .I receive an inheritance? What if I don’t?
. . .my portfolio takes a major hit at the worst possible time?
. . .I move to another state?
. . .I have a medical emergency? Or a series of them?
. . .taxes or inflation are higher than in the past?
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. . .will give you a graphic picture of your retirement based
on your priorities;
. . .can compare the effects of the many ‘what-if’ events and
choices on your retirement plan; and
. . .will give you actual answers to your questions based on
the parameters you set.
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