Whether you are approaching retirement or already comfortably retired, it is important to have a written and comprehensive retirement plan that addresses your unique circumstances, needs, and goals. Not only does this provide security and comfort that you will be provided for at any age, it gives you and your wealth management team a blueprint or road map to follow.
As each person’s situation is a unique combination of different factors, each person’s retirement plan must be a custom creation in order to properly accommodate the different considerations. Government pensions and credits needs to be maximized. Taxation needs to be assessed and planned for in order to minimize the overall tax paid through a person’s retirement. Risks to income stability and sustainability need to be assessed, managed, and planned for. Required growth rates need to be known in order to properly benchmark investment performance and allow for an appropriate portfolio design. Sustainable margin needs to be assessed to determine the ability to manage unexpected life circumstances. The list of considerations goes on.
Beyond the goal of ensuring stability through retirement, a proper written retirement plan also allows for detailed income streams to be projected realistically to ensure the lifestyle and wealth that you worked hard to obtain is protected from risks and the “tax man”.
How confident are you that all of the details have been considered and properly integrated for your unique retirement planning needs?
Our team at Lighthouse Private Wealth can partner with you to cover all the bases and provide you with the personalized advice you need. We will build you a retirement plan that protects your pensions, your savings, and ultimately your lifestyle. Partnering with you and your family not only involves providing expert advice, but also helping you choose from the overwhelming amount of product options out there to find the ones appropriate to your needs. We are there to encourage you, hold you accountable to your own goals, and to respond to changes in your situation with guidance.
Matthew Aston is the most honest and trustworthy person I have ever had to represent my financial and insurance needs. He also has a wonderful personality to go along with his work ethic. I would recommend Matthew for any person or business to hire.
Ever since they have taken over looking after my investments, my returns have been better than I thought possible. Consistently making more than 10% per year without having to experience a lot of volatility. I would certainly recommend their team to anyone.
I took my portfolio to James for a free consultation where he pointed out to me many issues that were causing me to lose money. Within two years James had made up the losses in my portfolio plus a tidy little profit.
He is very knowledgeable and is aware of market conditions at all times, taking the time to meet with us personally to communicate and update us so that we feel comfortable that our life savings are in capable hands.
He is different than any other wealth manager we have worked with....When running a business, there is little time left to babysit our professionals. We need a partner we can trust to do that for us. Thankfully, Matt is happy to help us with that whenever it’s needed.
I would highly recommend Matthew and his team to anyone and everyone that is tired of the mediocre and would like to have excellence, quality service, expertise, and care in the area of their wealth. This is one partnership you won’t regret.
We have been a client of James Hughes for the past 13 years. James is always helpful, knowledgeable and he has always guided us through the many arms of our financial and retirement planning.
James provides us with peace of mind, knowing that someone is diligently looking after our investments, suggesting changes as needed, and is constantly monitoring where we are in terms of our retirement plans.
Matt has been advising my wife Katharine and me since June 2010. Our initial meeting was to review our Insurance coverage. As Matt gained our trust we switched all of our mutual fund investments to his management (January 2011).
Kim and I have had a lot of bad luck with accountants and advisers. Thank goodness we were introduced to Matt Aston.