Dependable Retirement Planning Advisors

Costa Mesa Retirement Planning

Reliable Costa Mesa retirement planning advice can help you design a diverse financial portfolio that will provide multiple sources of income after you've wrapped up your working life. No matter where you are in your career, the right Costa Mesa retirement planning strategies can help you make the most of your income. Because your saving and investment choices may affect your quality of life as a CA retiree, it pays to consult a Costa Mesa retirement planning consultant to review and refine your retirement planning strategies.

These days, Costa Mesa retirement planning goals must involve more than your anticipated Social Security and Medicare benefits. As the cost of living and the average life expectancy of California residents increase, you may find that you need more money than you anticipated to lead a comfortable life after you retire. Rather than planning for 5 or 10 years of income after retirement, many Costa Mesa professionals are planning for 15 years or more. With savvy retirement planning, you can secure a prosperous life as a senior citizen in Costa Mesa.

Phases of Lifelong Planning

Located in Orange County, Costa Mesa has access to all of the conveniences of life in Southern CA. Costa Mesa is a thriving retail hub, with shopping centers that include the bustling South Coast Plaza mall. Working and retiring in Costa Mesa can be equally rewarding experiences when you plan your financial future with a financial planning consultant. To maximize the value of your earnings through your Costa Mesa employer, meet with a qualified retirement planner to discuss the phases of a successful California retirement plan.

In your 20s and 30s, it's a good time to focus on saving as much of your salary as you can while you're actively working. Many Costa Mesa retirement planning specialists advise that you try to contribute at least 10 percent of your pre-tax income to a 401k, 403b, IRA or a combination of funds. Before you start a family in California, you may have a higher level of risk tolerance in your investments. Take advantage of this time to increase your savings and make your money work for you.

As you enter your 40s and 50s, you may be more conservative in your investments. By this time, you may have accrued a substantial savings for the future, and you may be looking for ways to diversify your portfolio in order to make the most of your resources. This is a good time to analyze your Costa Mesa retirement planning funds to determine whether you'll be ready to retire within your desired time frame. If you need to accelerate your goals, your financial planner can recommend ways to speed you towards financial independence.

In your 60s and 70s, you will probably conclude your working life and step into a new, flexible lifestyle as a retiree. However, just because you've retired doesn't mean you'll stop refining your financial plans. You can continue saving and investing for the future for as long as you have the available resources. With the help of a Costa Mesa retirement planning expert, you can strategize your collection of distributions in order to receive the greatest tax benefits.

Working after Retirement in CA

If you're active, healthy and vigorous, you may decide to continue your career past the date you had originally established for retiring. Some professionals decide to continue in their work part time, or to act as consultants. Others take part time jobs in related fields, start an educational program to earn a second degree or launch a home based business. You may be surprised to find that your senior years represent one of the most satisfying phases of your working life.

Unfortunately, many senior citizens return to work because the funds they've saved aren't adequate to provide for their day to day needs. In addition to the cost of housing, food and transportation, many elderly adults face higher medical bills. Although Medicare covers many of the services you need as an older adult, this government sponsored program doesn't cover all of the treatment you need. A sudden injury or illness may wipe out a Costa Mesa retirement planning fund if you don't have a supplemental medical plan or long term care coverage.

Costa Mesa retirement planning goals should focus on helping you stay active, healthy and financially solvent for the rest of your life after you've stopped working. If you decide to return to the workforce after you've officially wrapped up your career, the decision should be a matter of personal preference rather than severe financial need. If you prepare for the future with the help of a certified planner, you'll have the resources you require to lead a full, rewarding life as a senior citizen.

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Retirement Planners In Costa Mesa

Armen Grigorian / Curtis Hollowell
Armen Grigorian / Curtis Hollowell
23 Corporate Plaza Drive
Suite 150
Newport Beach, CA 92660

Rick Donnelly
Rick Donnelly
17901 Von Karman Ave
Suite 600
Irvine, CA 92614

Eric Trapasso
Eric Trapasso
7821 24 Th St
Westminster, CA 92683

Aarone Tirpak
Aarone Tirpak
2400 East Katella Ave
Anaheim, CA 92806

Mark Higginbotham
Mark Higginbotham
2400 E Katella Ave
Suite 800
Anaheim, CA 92806

Simon Reeves
Simon Reeves
30 Enterprise, Suite #190
Aliso Viejo, CA 92656

Jerry Slusiewicz
Jerry Slusiewicz
30131 Town Center Drive, Suite 105
Laguna Niguel, CA 92677

Mark Higginbotham
Mark Higginbotham
21515 Hawthorne Blvd
Suite 200
Torrance, CA 90503

Zain Griffith
Zain Griffith
9701 Wilshire Blvd
Suite 1000
Beverly Hills, CA 90212

Paul Taghibagi, CFP
Paul Taghibagi, CFP
2121 Avenue of the Stars
Suite 1600
Los Angeles, CA 90067

Anthony Masterson
Anthony Masterson
12100 Wilsure Blvd.
8th Floor
Los Angeles, CA 90025

John Borger
John Borger
27192 Newport Rd., Suite 4
Menifee, CA 92584

Rodd Miller, CFP
Rodd Miller, CFP
1901 Camino Vida Roble
Suite 112
Carlsbad, CA 92008

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