Retirement Planning


Retirement Planning is the process of establishing, and periodically revising retirement goals and developing financial strategies during one’s working years with the objective of obtaining and maintaining financial security throughout the retirement years that follow.

For our affluent clients retirement planning also often involves planned disposition or gifting of assets to heirs and beneficiaries in a coordinated way and within the context of a comprehensive Estate Plan.

Retirement Planning—It is more than a Retirement Savings Plan.

You have been saving in your employer’s qualified retirement plan or an individual IRA. Have you figured out how much you need to save to meet your income needs after retirement? Do you understand the tax implications of various distribution options? Do you have a formalized investment plan that suits your retirement objectives and risk tolerance? Do you understand how your surplus retirement assets can be invested effectively and transferred to your heirs?

Our first step towards your happy and financially secure retirement is analyzing your current plan and means, then discussing your specific goals, desired lifestyle, and time line. We’ll review your resources and recommend distribution techniques for qualified plans. We will also coordinate with your current estate, retirement and business plans. Implementation assistance is another service we provide. Other retirement related strategies and services include:

  • Retirement plan analysis, recommendations*
  • Deferred Compensation
  • Annuities*
  • Mutual Funds*
  • Managed Accounts*
  • Private Money Managers
  • Stocks and Bonds*
  • Proprietary Investment Accounts*
  • Roth IRAs*
  • Life Insurance
  • Long Term Care Insurance
  • Cash Flow Models

For Summit’s high net worth clients the benefit of an all-encompassing and expert team approach to the Retirement Plan is confidence that your retirement security will complement your plans for your beneficiaries and heirs so that your goals for disposition of assets over time are fulfilled.


* Please see disclaimer page