Do You Want to Retire?
Well, of course you do...who would ever say they don't want to retire?
The REAL question is - how do you retire without running out of money?
There are countless retirement and investing strategies out there, so where do you start? Where do you focus your time?
Let's look at retirement income planning for example: Amazon has 10,000+ books available on retirement planning alone, focusing on investment management, retirement income strategies, and reducing taxes in retirement. How can you know which ones to focus on first?
The reality is that you will NEVER be able to read all 10,000 books.
Even we don't focus on every strategy. Why? Because it's nearly impossible.
But, we're still able to help individuals make better decisions with their money because we've researched dozens financial strategies that are designed to help move the needle.
Just take a look at the screenshot below...
As you can see, the best retirement strategies should start with your goals and NOT your investment portfolio. By prioritizing your goals into "Needs", "Wants", and "Wishes", we can begin to clarify what's important to you and in what order.
So, how can you create the income you need to afford the lifestyle you desire?
The answer is simple. You need to stress test your financial situation to determine the likelihood of accomplishing what's important to you without running out of money.
Here is an example of what mean...
In this hypothetical example taking into account hundreds of factors, the client has less than a 1% chance of affording the lifestyle they want without running out of money.
That's not very good!
But, with the right strategies and proper planning, the recommended scenario increases the probability of success to 90%!
The problem is, many people put off planning, thinking "I'll get to that later...it doesn't matter right now."
Years later, they finally make the time to address them because they have no choice. By then, it's often too late.
Don't fall into that trap.
Getting the right advice that takes into account your total financial picture may improve your chances of a successful retirement.
The truth is there are no guarantees when it comes to growing wealth, reducing taxes, or creating income for life. We'll be the first to tell you that we can't predict the direction of stock markets. We also can't guarantee returns. Any financial advisor who claims that should be avoided.
But, we can help you identify and implement powerful financial planning and investment strategies that are designed to make a positive impact on your financial well-being.
From choosing the right pension and maximizing social security benefits, to reducing income taxes, to managing the right mix of investments before and during retirement, every decision you make matters.
At Covenant Wealth Advisors, we know retirement. Our team of financial advisors have the credentials and education to help guide your financial decisions.
We're proud that we have a team of CERTIFIED FINANCIAL PLANNER™ professionals and a CPA to help guide clients on financial and retirement planning, investment management, and tax issues.
We also value education which is why we reach beyond your typical financial advisor by being an approved member of NAPFA, the country's leading organization for fee-only financial planners. NAPFA members are required to log 60 hours of continuing financial education every two years.
But, credentials and education aren't enough. Your advisor should have experience, too.
That's why every financial advisor at our firm has over 15 years of financial experience. Moreover, we have experience helping individuals retire from many great companies in Virginia including the companies below.
But, we're not salespeople. We honestly hate sales more than anything else. We're personal finance nerds and math geeks who are passionate about retirement income planning and wealth management.
That's why we choose to never receive commissions from investment or product companies. Unlike "Big Name" wealth management firms, our focus is on providing great advice to clients, not winning sales contests and generating commissions.
We like focusing on what we are good at and only that, which is helping individuals and couples retire without the stress of money.
SO - If you want to work with us and retire with confidence and peace of mind, keep reading...
Do This Now
You'll see a brief series of questions you'll need to answer about your personal finances.
Nothing too crazy, we just need the basics about what your goals are, what financial concerns you have, and how you want a financial advisor to help you. That way we can understand your situation before we talk.
Please answer these questions as accurately as possible, and be absolutely sure your contact information is correct so we can reach you.
Here's What Will Happen Next
Once you've filled out the questionnaire, you will be redirected to our scheduling page where you can immediately schedule time to talk.
Someone from our team will call you at the time you've chosen to speak more about your personal financial situation and gather more information so we can accurately plan how to help you retire.
Your initial call will be between 15 and 45 minutes. This is where we really begin working to figure out exactly what you need, and how to make it happen.
At that point if you see the value in meeting for a deeper conversation, great. We'll schedule a face-to-face meeting in Richmond, Williamsburg, or virtually via video conference to see if we're able to take you on as a client.
If you don't want to move forward with a relationship, that's fine too.
Worst case you would have received some free advice from our team which will help you toward the retirement you want.
Ultimately, this is for people who take action and want a financial advisor they can trust.
If that's you, today is the day you take the next step toward financial peace of mind.
Click on the button below to submit your fact finder.
Our team will be in touch ASAP to schedule a time to chat.
or call us at 1-888-320-7400