Our comprehensive retirement planning services are designed to help you pursue your financial goals while minimizing the risk of depleting your funds.
We understand the importance of instilling confidence and providing clarity throughout the retirement planning process, allowing you to prioritize and enjoy the activities that matter most to you.
The illustration above is hypothetical and for illustrative purposes only.
Our retirement planning approach encompasses the following key elements to help with:
We recognize that a retirement plan is not a static document but rather an ever-evolving and adaptable tool. Utilizing advanced financial planning software, we construct your plan, continuously assess its success rate, make necessary adjustments to account for unforeseen circumstances, and communicate the outcomes to you in straightforward language.
By leveraging our experience and utilizing innovative tools, our aim is to empower you to pursue a financially independent retirement, allowing you to focus on what truly matters to you.
▶️ Want to learn more about how we create retirement plans? Take our 'Simplify Your Retirement Assessment'.
We specialize in transforming your nest egg into a dependable and steady income stream for your retirement years.
Our approach is founded on extensive academic research spanning several decades, and it offers the following services:
The illustration above is hypothetical and for illustrative purposes only.
Furthermore, we take into account all your other sources of income, such as Social Security, Pensions, Rental Income, Required Minimum Distributions, and more. By carefully coordinating and optimizing these income streams, we aim to ensure that you do not pay more than your fair share of taxes.
Why do we emphasize tax efficiency? Because it is crucial to recognize that your retirement income may place you in a higher tax bracket than when you were working. Keeping your taxes low during retirement is a fundamental element of a successful retirement plan.
With our experience and tailored strategies, we strive to optimize your retirement income while minimizing tax obligations, contributing to the overall success of your financial plan.
▶️ Want to learn more about creating income in retirement? Take our 'Simplify Your Retirement Assessment'.
Without careful planning, it's very possible to have a higher tax bill in retirement than as a working professional.
Our tax planning services aim to help keep taxes low today and in retirement. We strive for this through:
We also stay up-to-date with the ever-changing tax laws to ensure you are taking advantage of every opportunity.
You are under no obligation to use the services of any strategic partner and may choose any qualified professional to provide CPA, legal, tax services. Bleakley Financial Group, LLC and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor regarding your specific situation.
▶️ Want to learn more about reducing your tax liability in retirement? Take our 'Simplify Your Retirement Assessment'.
Our investment philosophy is based on the following 4 principles:
Markets WorkMarkets have a history of rewarding long-term investors for the capital they supply. Every day companies compete for investment capital and millions of investors compete for the most attractive returns.
Diversification is EssentialDiversification by asset class provides investors with some control over portfolio risk. Diversification by security enables them to capitalize on broad market forces while potentially reducing the idiosyncratic risk associated with owning a limited number of individual companies.
Speculators Lose to Investors in the Long RunSpeculative investment approaches seek to beat the market by taking advantage of perceived pricing “mistakes” or attempting to predict the future. However, predictions frequently go awry and short-term traders may hold the wrong securities at the wrong time. Too often these approaches prove to be costly and miss the total return that consistent investing over time can provide.
Focus on Your PlanA prudently designed plan frees you to focus on other things. Let the markets work for you by taking advantage of sensible, well-diversified, competitively priced portfolios backed by years of investment and practical experience.
▶️ Want to learn more about our investment selection process? Take our 'Simplify Your Retirement Assessment'.
As retirement planning specialists, we help you determine the best time to collect Social Security.
To do that, we take into consideration how your Social Security benefits will interact with other income sources such as:
We also factor in family health conditions, spousal benefits, personal preferences, and more.
By analyzing your entire financial picture, we are able to choose a Social Security timing strategy that reduces your tax bill in retirement and optimizes your income stream.
In addition to Social Security, we recognize the significance of Medicare planning. We understand the intricacies involved and provide guidance on navigating the complexities of Medicare. From selecting the right coverage options to understanding enrollment periods and potential penalties, we ensure that your healthcare needs are met while preserving your financial well-being.
Our goal is to simplify the process, integrating Medicare planning seamlessly into your comprehensive retirement strategy. With our experience and personalized approach, you can confidently navigate the ever-changing landscape of retirement benefits in pursuit of a financially independent retirement.
▶️ Want to learn more about choosing the right Social Security claiming strategy or have a better understanding of your Medicare decisions? Take our 'Simplify Your Retirement Assessment'.
Effective estate planning can help ensure a smooth transition of your wealth and mitigate tax implications.
An estate plan is not exclusive to the wealthy; it applies to anyone who wishes to manage the distribution, settlement, or disposal of their belongings upon their passing. Your estate encompasses all the assets you own, and an estate plan consists of the necessary legal documents that ensure your wishes are upheld. Despite its perceived complexity, creating an estate plan can be straightforward and need not be excessively costly.
Typically, an estate plan will include:
If clients have these items already in place, we will do an in-depth review of these documents and provide valuable feedback that they can then discuss with a legal professional.
You are under no obligation to use the services of any strategic partner and may choose any qualified professional to provide CPA, legal, tax services. Bleakley Financial Group, LLC and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor regarding your specific situation.
▶️ Want to learn more about our document review services? Take our 'Simplify Your Retirement Assessment'.
At Bleakley, insurance planning is typically part of the bigger picture. As an independent firm with no core affiliation, we sit on the same side of the table with you to personally identify and address your risk management needs and can then recommend appropriate products that better fit your circumstances.
We also take a coordinated approach to ensure your risk management planning work in conjunction with the various other elements of your overall comprehensive financial plan.
These risk management services include:
▶️ Want to learn more about protecting your assets? Take our 'Simplify Your Retirement Assessment'.
Financial planning isn’t just about money. Excellent fiscal health goes hand-in-hand with one’s physical or mental health: It’s established by good habits over time. That’s why we have a certified life coach on staff to provide complimentary sessions to our clients.
Dealing with financial stresses can be difficult, especially when facing traumatic life events like moving, divorce, job loss, or the death of a loved one. Life can throw unexpected curveballs that upend even the most diligent financial planning.
Life coaching services can help clients navigate the emotional ups and downs of life’s many challenges, including:
▶️ Want to explore a conversation with our life coach? Take our 'Simplify Your Retirement Assessment'.
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