SENSIBLE Retirement Solutions

The Sensible Group provides comprehensive retirement planning services to our clients, families and businesses alike, based upon the four phases of financial life planning.

Our comprehensive services integrate all aspects of our client's financial picture in a coordinated effort to provide for financial clarity and multi-generational wealth.

The Four Phases of Your Financial Life

1. Accumulation

This phase is what you do during your earning years to build up a nest egg that will provide for you in your future non earning years.

2. Preservation - Protection

5-10 years from retirement. This phase requires a much different strategy from the accumulation phase because your time horizon to retirement is much shorter and thus you must protect your next egg while still achieving growth for the future.

3. Distribution

The third phase is where you are no longer earning but actually living off what you have saved. This phase requires a completely different strategy than the last two in order to make sure that your wealth lasts as long as you do. To be secure in this stage you need a plan that provides lasting income that you and your spouse cannot outlive as well as protection from health issues, taxes, long term care costs, inflation, liability and the loss of a spouse and pension.

4. Legacy

The fourth and final phase is passing what is left to your heirs in a tax advantaged manner so the maximum amount of your life wealth is not eroded by taxes and is distributed as you desire. At The Sensible Group, we understand that every client, couple and family is unique and requires a customized plan compared to a cookie cutter approach. Our SENSIBLE retirement strategies are designed by taking into account your life stage, concerns and goals.