Pre-Retirement Planning                                                                                                                                        Retirement, for many, can mean the end of a wonderful career with financial security, time to spend with children and grandchildren or traveling the world. It may also be working part-time for pleasure, volunteering, or starting a new hobby or even a new business – the possibilities are endless. Successful planning for this eventuality begins several years prior to the expected retirement date.

The freedom to be independent – to be in control of your schedule and plans, also requires the ability to control your assets so that you can create the level of income that you need, balanced by the level of comfortable risk. You also need the freedom to pursue your retirement goals.  Today's retirees require greater flexibility than retirees in the past to structure viable investment portfolios.

SPS assists you as you plan for:

• Maintaining your standard of living
• Managing rising healthcare costs
• Making your income last your lifetime
• Changing/adjusting sources of income
• Market changes/changes in employment situations

Retirement Living
Retirement planning today entails strategizing and preparing for 20 or more years of a post-work life style.

Previous generations of retirees could shift their entire portfolio to income. However, today’s 20- to 30-year retirement requires you to regularly re-evaluate the balance between growth potential, capital preservation, and actual income, to help your assets outlast you. SPS helps you discover ways to manage your retirement assets and provide for retirement income.