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29 School Street
Lebanon, NH 03766
264 South River Road
Bedford, NH 03110
2300 First Street, #336K
Livermore, CA 94550
400 East Walnut St.
Suite 128
Springfield, MO 65806
18097 Harvet Court
Plymouth, CA 95669
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The Wealth Conservatory is a fee-only wealth consulting firm with offices in Lebanon NH, Bedford NH, Livermore CA, and Springfield MO.
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Retirement with Steve Bell

1-800-472-1844
info@wealthconservatory.com
Other WC Solutions

[ Meet the WC Team ]

Retirement Planning 

Planning for retirement is like building a house. Can you imagine trying to build a house without a blueprint? That might have worked for Laura Ingalls in her simple little house on the prairie, but that’s not a house most of us would want to live in, and it certainly isn’t a dream home.

No, if you’re going to build a home today, the architect needs to know how you want it to look and function. Plus, you need to know how much it will cost. Can you afford that? If not, what can you change now, before you commit your resources to the plan?

Well, planning a retirement works the same way. You want your retirement to be the best it can be, and you want to make sure you can afford it, before you commit your resources. More often than not, it’s the fear of spending too much in retirement that leads to less than optimal financial decisions, which actually in turn leads to a less than optimal retirement. This is because we know that once we retire, returning to work is no longer an option, and from that point on our financial decisions are crucial. 

Without a plan that…

  • Incorporates reasonable assumptions about inflation, rates of return, taxes & expenses
  • Spells out the best time to start taking Social Security
  • Shows you the amount of portfolio risk you actually need (as opposed to the amount you are willing to take)

…you cannot know the extent to which you can afford, or not afford, the retirement you want.

So, are you planning to spend too much or too little? If you’re spending too much, you risk running out of money unless you change something. The sooner you find out, the more attractive your alternatives will be.

However, what if the plan reveals you have more resources than you need? Wouldn’t it be fun to make sizable gifts to the people you love the most while you’re still alive to watch them smile or to see your excess money hard at work for your favorite cause. Of course, you can’t know how much to give if you don’t know how much extra you have.

We can help you figure that out. Call us to schedule your no-cost, no-obligation, initial meeting. Let us show you how we can help you create an efficient and feasible path to the best retirement possible, such that the fear of spending too much, or the missed opportunities of spending too little, disappear.