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    Scottsdale Retirement Planning

    Planning your retirement: Anticipating issues, resolving problems, creating lasting solutions



    Retirement involves the consideration of a number of factors, including:

    1. At what age you hope to retire
    2. How much money you will need to cover living expenses through your active and "slow-down" phases
    3. How often you will travel and eat out
    4. Your housing choices
    5. What sort of health procedures you might undertake that may not be covered by insurance
    6. How you will fund the rising costs of long term care if you or a loved one experiences cognitive challenges or disability
    7. Where your money will come from to fund each and every one of your expenses, adjusted for inflation
    8. A decision on the amount of investment risk you: a) are willing to take  b) have the capacity to withstand  and c) need to take. (Many retirees stay with a risk-mix that has been comfortable for years, yet the need for the risk may no longer exist)

    Generally speaking, retirement planning, from a financial point of view, is the coordination of your finances for the period of life after you stop working. The comprehensive plan addresses all of the above, at a minimum.

    Once you know what your retirement will look like, it has to be funded properly. That means reliable, recurring income.

    In fact, without income, there is no retirement.  At IQ Wealth,

    We Believe in Income Planning

    Rather Than Income Guessing.

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    No other plan is identical to yours.

    Our process begins with your projected spending, liabilities, and lifestyle. The objective: create a surplus of recurring, secure income to meet and exceed your expenses for both spouses' lifetimes.

    Generally speaking, our goal is to make sure you have more money coming in than going out, from now on, "no matter what."

    While holistic planning involves all aspects of matching your money flow to important priorities and milestones in your life,  a plan for retirement begins with income and cash flow.

    Just as no small business could survive without profitable cash flow, neither can your retirement. Therefore, we believe the beginning point of retirement planning is a well constructed income and cash flow plan. Your income, after taxes, needs to exceed your expenses from now on. Period.

    Once we have settled on your income strategy (which allows you to actually retire) all other aspects of your financial plan can be addressed and planned for.


    One of the important areas of planning in retirement is settling on your Social Security claiming strategy.

    A solid retirement income plan is never complete without incorporating social security into the mix. We'll help you come up with a strategy to help optimize your social security income.

    Plan, Invest, Insure, Retire, STAY Retired.

    Lifestyle planning

    What will you do with your time? Will you be active, semi-active or be looking to slow down? Will you travel? How much and how often? How far will you go? Will you become more involved in your church? Will you see out old acquaintances or family members? Will you downsize your home or start remodeling it?

    Health planning

    Will you start a new exercise plan? Will your diet change somewhat? Will you learn to cook? Eat out less, eat out more? Do you or your spouse have a health issue that will require ongoing attention? Any dental or surgical procedures that may come up? How about optical or hearing issues? What about long-term care? How much will it cost by the time you need it? (Hint: 20 years from now, the projected cost of one year in a nursing home is $148,000, at just 3 percentinflation.) Do you have a financial resource that will supply the funds necessary without seriously cutting into your income and emergency assets? Will both you and your spouse be covered? What about the case of a “perfect storm”: Bear stock market, recession combined with inflation, and one or more spouses with dementia or in need of LTC?

    Family planning

    Do you have kids, brothers, sisters, cousins, aunts, uncles or parents who may look to you for financial or moral support?

    Estate planning

    Who gets what? When do they get it? Do they get it in a lump sum, or in a series of payments? How much will they pay in taxes from your current assets? Is there a way to re-arrange your assets for reducing taxes, both now and upon passing? Who will administer your trust? Do your advisors know your wishes? Is your trust up to date? Do you have or need a beneficiary deed?

    Financial planning

    It costs money to eat, sleep, drink, drive, talk on the phone, watch TV, invest money, surf on the computer and do all of the things listed above so far. How do you pay for it all and make sure you don’t run out of money doing it?

    Clearly, retirement planning involves more than just saving money, having a balanced investment portfolio and owning a little insurance.


    Meet Steve

    Have a no-cost, no obligation conversation with an experienced adviser and fiduciary.

    Steve accepts 4 to 8 new clients per month in order to serve each with optimal attention and personal service.

    Free Retirement Readiness Review

    Learn more about the IQ Wealth proven approach to practical planning. To arrange your free review, please contact Barb at (480)902-3333, or email: Barb@IQWealth.com

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    Get access to our helpful retirement kit, which includes three guides that address topics you should consider when planning your retirement.