Mountain West Retirement

Retirement Planning Made Easy

REALtirement® Roadmap

The gateway to Mountain West Retirement services is through our REALtirement® Roadmap process:

1

Discovery Meeting

Complete discovery process addressing your goals and concerns.

2

Portfolio Review / Mutual Commitment Meeting 

Diagnostic of your current portfolio.

3

Plan Review / Implementation Meeting 

Detailed review of your retirement income plan.

4

Client Experience Meeting / Onboarding

Reiterate plan and conduct ongoing reviews.

The process naturally leads us to offer the services best suited for each client. We create a customized plan that addresses the following five key areas to support your journey.

Income Planning

You have likely worked hard your whole life and diligently saved for retirement along the way. However, you may wonder if you have saved enough to last a lifetime. We can assess your situation and then create a suitable retirement income plan. Our goal is to help ensure your monthly expenses can be paid with reliability and predictability for the rest of your life. This typically includes:



  • Maximizing Social Security.
  • Analyzing income and expenses.
  • Mitigating Inflation.
  • Addressing spousal needs.
  • Actively managing assets.

Investment Planning

Investment planning is the active management of the remainder of your accounts and the strategic positioning for growth and/or preservation. Once your income plan is established, we will create an investment plan for the remaining assets that you do not need to draw from each month. This typically includes:



  • Assessing your risk tolerance.
  • Adjusting your portfolio to reduce fees.
  • Mitigating and controlling volatility.
  • Reducing risk while meeting goals.
  • Protecting against longevity.

Tax Minimization Planning

Unmanaged taxes can potentially erode your nest egg. We want you to keep as much of your hard-earned savings as possible so that you can reallocate those funds for your benefit, not Uncle Sam’s. Any comprehensive retirement plan will include a strategy for minimizing tax liabilities. This typically includes:



  • Assessing the taxable nature of your current holdings. 
  • Exploring the need for IRA planning.
  • Incorporating tax-deferred or tax-free money in your plan.
  • Determining how to draw down funds to minimize tax burdens.
  • Leveraging qualified funds to minimize taxes for beneficiaries.

Health Care Planning

Health care costs are another area of financial planning that deserve to be scrutinized, as premiums, out-of-pockets co-pays and prescriptions costs tend to rise each year. We will create a plan to help you address rising health care costs, including:



  • Reviewing all aspects of Medicare, Parts A, B and D.
  • Analyzing options for long-term care insurance.

Legacy Planning

On of the best gifts you can leave your loved ones is a well-thought-out legacy plan that makes their lives easier moving forward. Therefore, it’s important to ensure your hard-earned assets go to your beneficiaries in the most tax-efficient manner. By working collaboratively with a qualified Estate Planning Attorney, our goal is to help you:



  • Maximize your estate and income tax planning opportunities.
  • Protect any assets in trust and ensure proper distribution to beneficiaries, avoiding probate.
  • Prevent IRA and qualified accounts from becoming fully taxable to beneficiaries upon your death.
5 Simple Steps to a Successful Retirement: Make Your Retirement a Blockbuster

5 Simple Steps to a Successful Retirement: Make Your Retirement a Blockbuster

Do you have doubts about your ability to reach your retirement goals? Are you less than confident about certain aspects of your retirement strategy? Here’s the good news…there’s always time to adjust your plan and get back on track. You can take your retirement strategy from flop to blockbuster with these simple strategies.

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