Retirement often signifies the start of an exciting new chapter in life. We love seeing our members embrace the chance to spend more time doing what brings them the most joy, while their hard-earned savings support the expenses.  Rather than an end, retirement is a fresh beginning, and one we get excited about for our clients here at Custer Financial! While retirement can bring financial uncertainties and concerns, our team is here to help guide you through them.

We aim to help you enjoy a higher spending amount or earlier retirement than you expected by using valuable planning and investment strategies as you approach retirement.

Our team has helped many plan and execute their retirement strategy. You only have one retirement (if done correctly) but our teams works toward this for our clients everyday.

We are a financial planning team focused on the whole picture, not solely investing assets. We believe that a great financial planning team should help you strategize your taxes, manage your investment portfolio, consider Social Security options, and more with YOUR goals top of mind.

We know you’re working to build your nest egg and we take that seriously.

A few categories and questions we help our members with around retirement years: 

1.    Social Security Planning

• Should clients claim early or delay to increase benefit?

• How will Social Security affect taxes in retirement?

• How will spouses’ Social Security affect one another?

2.     Tax Bracket Management

•  How can personal tax planning save money on taxes?

•  What order of accounts should clients live on?

•  Are there tax strategies to consider when deciding which account to spend first?

•  How will each account be taxed?

3.     Roth Conversions

•   What are Roth conversions?

•   Why make any Roth conversions?

•   Are Roth conversions right for clients’ retirement plans?

•   How would a Roth conversion affect the long-term retirement outlook?

4.    Asset Location NOT just Allocation   

• What type of investments should one own during retirement?

•  What kind of investments should be held in certain accounts?

•  Should one be invested aggressively or more conservatively in retirement?

•  How much cash should be kept in retirement?

5.    Do I have enough money to retire?

•  How much money is needed based on goals and lifestyle?    

• What does a comprehensive retirement analysis look like for individuals?

•  How can implementing financial planning strategies improve spending and lifestyle projections?

•  How can we help preserve and grow what you’ve worked so hard to earn?

We love what we do and the people we get to work with. We don’t believe in selling financial products. We believe in building a relationship with our clients, listening to their goals and crafting a customized plan based on their priorities.

We listen to our members as they determine what their desires are for retirement. Then, we help them create an investment and tax plan with those desires at the forefront.

By working with the world's largest independent Broker Dealer* we're able to choose from a wide variety of investment options to help clients accumulate wealth in pre-retirement years, and develop a strategy to conserve wealth in retirement.  

If you’re looking for help, we’d love to meet you and evaluate what retirement planning could look like for you.

**As reported by Financial Planning magazine, June 1996-2017, based on total revenue.