Planning for Retirement is a Collaborative Process
Planning your retirement is an ongoing process, even after you stop working. Here is how we'll work together.
|YOUR ROLE||OUR ROLE|
|UNDERSTAND||Articulate how you envision retirement, including your priorities, goals and fears.||Facilitate a discussion of your priorities, goals, and fears.|
|Gather and provide information regarding your finances: income, expenses, assets and liabilities.||Educate you on key risks in retirement given your specific financial situation.|
|Organize the information you provided and document your current financial situation.|
|DESIGN||Review the proposed approach and verify that it meets your income needs and reflects your priorities.||Analyze your unique situation based on the information you provided.|
|Develop a sustainable spending policy that differentiates your needs from your wants.||Propose a viable investment approach for retirement; one that addresses your needs, balances risks, and reflects a sustainable withdrawal from your assets.|
|IMPLEMENT||Ask questions to fully understand our recommendations.||Execute the agreed upon plan using specific solutions that reflect your unique situation.|
|Complete paperwork to implement solutions and transition your assets.||Provide you confirmation when plan has been implemented.|
|MANAGE||Adhere to agreed upon spending policy.||Monitor the plan regularly and recommend necessary adjustments.|
|Communicate frequently to ensure we are on the right track.||Incorporate changes that occur in your life and update plan as needed.|
|Discuss your progress toward meeting your objectives.|
Make a Complimentary Retirement Planning Session
Contact us at 203.830.2009 or Jessica.Castro@RaymondJames.com today.
Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. Securities and investment products and services are not insured by the FDIC or any other government agency of the United States and are not deposits or obligations of, nor guaranteed or insured by, any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value. Union Savings Bank is independent of Raymond James. Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Raymond James financial advisors may only transact business in states where they are registered. Follow-up and individualized responses involving either the effecting of or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where the financial advisor is not registered.