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Retirement & Income Planning

Long term investments. Long term relationships.

Comprehensive 360 degree Wealth Planning Services


Clower Wealth management helps you create a personalized financial strategy based on you lifestyle goals. Using our discovery process, we work with you to build an appropriate plan that supports your objectives, then monitor it to help you stay on track.


Helping you pursue financial independence


Retirement planning today has taken on many new dimensions that never had to be considered by earlier generations. We can clarify the issues and help you select the appropriate mix of investments, pension, Social Security and insurance benefits that may make your retirement secure and comfortable.


Retirement & Income Planning as Part of Your Wealth Strategy:


* Review of current savings and investment strategy
* Investment management in retirement: navigating the trade-offs between risk and return
* Creating an income stream during retirement
* Navigating payout options for a pension or other deferred compensation
* Ways to save for retirement after maxing out a 401(k) or 403(b) plan at work
* Roth IRA conversion analysis
* Leaving a legacy and donating to charity
* Diversifying your retirement savings from a tax and investment perspective
* Tax-efficient withdrawal strategies in retirement
* Social Security strategies
* Impact of the 2019 Secure Act in relation to your required minimum distributions (RMDs) on your tax situation
* Medical expenses in retirement and changing care needs (e.g. nursing home, assisted living, and downsizing)
* Medicare and long-term care insurance considerations
* Tax Planning
* Succession Planning

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