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Retirement planning

To create a future income stream for retirement, strategically structure your accounts and equity compensation to maximize your growth and minimize your taxes.

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What you need to know

Key steps to consider, what to watch out for, and ways advisory firms can help when planning your retirement strategy.

1. Maximize your tax benefits

A long-term tax strategy that considers retirement contributions to Traditional or Roth 401(k)s and/or IRAs can help lower your personal and business tax burden in the present and upon retirement.


2. Don’t Miss Out on Gains

Evaluate your contribution amounts, fees, and asset allocations to match your risk tolerance and investment strategy, and make sure to take full advantage of employer match.


3. Inventory Your Accounts

Assess the viability of Social Security, Pensions, and Annuities, as well as RMD (Required Minimum Distributions) from your retirement accounts.


4. Minimize Tax Risk

Avoid unintentionally triggering income taxes or penalties from withdrawing or contributing the incorrect amounts at the wrong times.

Common Mistakes

  • compound interest

    Missing out on compound interest early in your career

  • overpaying on fees

    Missing opportunities to reduce fees

  • Mismanaged accounts

    Mismanaging accounts from multiple employers

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