Retirement Planning

Take Command of Your Future

We want you to be able to retire properly. That means enjoying retirement your way on your timeline, without worrying about outliving your money. Our goal is for you to live your adventure, now and into the future for the adventure you value is the one we will help you pursue.

People in the pre-retirement stage (5+ years prior to retirement) often need help strategizing IRA & 401(k) Rollovers, Social Security Optimization, Retirement Income Planning, and Tax Planning.

As retirement nears, the traditional strategy has been to move growth-seeking products to more conservative, fixed-income products. According to a recent study, for a married couple age 65 there is now a 50 percent chance that at least one spouse will live to age 94 This means that you may need to plan for your retirement savings to potentially last 25 to 30 years.

Sixty-one percent of Americans surveyed said they were more afraid of outliving their assets than they were of dying.

A significant loss in the years just prior to and/or just after you retire could negatively impact the level of income you receive over the course of your life. In fact, if a loss occurs earlier in life, there is also the chance that you may have more time to recover (versus a loss occurring later in retirement). Why? Simply because a smaller pool of assets is left to sustain you throughout your retirement years and your assets may not have as much time to recover.

IRA & 401(K) Rollovers

For pre-retirement clients, there are generally four things you can do with the assets in an employer-sponsored retirement plan when you change jobs:

  • Continue the former employer-administered plan
  • Cash out and pay income taxes and possible additional taxes and penalties
  • Transfer the money to another employer plan, if allowed
  • Rollover the money into an IRA with the help of your advisor (Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax-deferred until you receive distributions in retirement.) We can help you determine if a rollover to an IRA is the right move for you.

Optimizing Social Security

When should you take Social Security?

StrongHold Wealth Partners considers Social Security Optimization a key component to any well-crafted retirement plan. With comprehensive analysis, we can help you choose the right time to file.

When the Future is Now

When it’s time to begin taking distributions in retirement, we strategically manage your taxable income with an eye toward your tax bracket while still maintaining flexibility for what’s to come. This strategy considers tax maintenance as it ensures your money works efficiently for you in retirement.

Your Retirement Income Plan

Retirement income planning is a crucial component of your overall strategy. These important conversations together will consider the accumulation phase. Our team will then work to balance your assets to enhance diversification in retirement. We will determine the right withdrawal strategy to meet your needs.

We can help you design a winning retirement income strategy to help meet your protection and performance goals.

Contact us today to schedule a complimentary introductory meeting.

Schedule a Complimentary Consultation

Contact StrongHold Wealth Partners:


7150 E Camelback Road Suite 444
Scottsdale, AZ 85251