Retirement Planning

Retirement Planning 

Get a customized retirement income plan to help you retire with confidence.

You Have Once Chance to Make Your Money Last 25 Years or More in Retirement

Retirement planning is the process of making smart decisions with your finances to achieve financial independence in retirement.

If you are like a lot of individuals we help, you're likely concerned about having enough money to live comfortably in retirement.


That's where Covenant Wealth Advisors' retirement planning advice can help. We can help you build a personalized retirement plan that gives you peace of mind and financial security.

retirement planning

Understanding Your Income Needs

Our approach to retirement planning starts with understanding your cash flow and income needs. Without knowing how much you spend, it's impossible to know how to create the income you need to maintain your lifestyle in retirement.

Once we've narrowed down your spending needs on a high level, we'll segment out your expenses into retirement spending categories such as basic living expenses, healthcare expenses, travel considerations, new car purchases in retirement, charitable giving desires, helping family members, and paying for long-term care expenses. 


Next, we'll focus our attention on how to maximize your income in retirement to meet your spending needs and lifestyle desires. We'll analyze hundreds of strategies to find out how we can:

  • Apply an evidence based framework to your investment decisions

  • Lower your investment expenses

  • Reduce the risk of running out of money in retirement

  • Help you analyze the right order to withdraw money from your investment accounts

  • Choose when to take Social Security to help maximize your benefits

  • Help you create tax free income in retirement

  • Maximize your pension benefits

  • Reduce the cost of healthcare and pay for healthcare expenses

  • Create sustainable income from your investment portfolio

  • Reduce taxes now and in the future

From there, we'll focus on how to optimize your investment portfolio to give you the highest probability of living a great life in retirement without running out of money.

Our Retirement Planning Services Include

Retirement Income and Expense Projections

Social Security Benefits Analysis

Pension Options and Analysis

Income Tax Reduction Strategies

Retirement Savings Needs Analysis

Investment Management and Planning

Tax Efficient Income Draw Down

Long-Term Care Needs Analysis

Retirement Planning Resources

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