Dependable Retirement Planning Advisors

Orange County Retirement Planning

Orange County retirement planning experts help the busy professionals in this Southern California area make the most of their hard earned income. Surrounded by mountains, the communities of Orange County offer the natural beauty of the Golden State as well as the conveniences and opportunities of CA. As you prepare for your retirement years, a California certified retirement planner can be an important ally in your search for a more prosperous future.

Orange County offers a wealth of advantages to retirees, like balmy weather and plentiful recreational opportunities. Whether you dream of playing golf, horseback riding or visiting local amusement parks with your grandchildren, you can have a fruitful retirement in Southern CA. However, retiring in California can be costly. Retirement planners can work with you to set goals, allocate your assets and monitor your readiness to retire, so that you're ready to embrace an independent lifestyle when the time comes.

Catching Up on Retirement Goals

When you're raising children in Southern California, you have to juggle many financial needs. Covering the basic costs of living can be challenging, but when you add expenses like orthodontic care, building a college savings fund or contributing to a home deposit for your kids, you may end up falling behind in your Orange County retirement planning objectives. Orange County retirement planners recommend that you make it a priority to save for your own future, but many CA parents put their kids' needs first.

If you find yourself behind in your 40s or 50s, you're not alone. Orange County retirement planning experts specialize in developing accelerated plans for their Orange County clients who've gotten a late start. At the age of 50, you can qualify to make larger contributions to an IRA, a Roth IRA, or an employer sponsored 401k, 403b or 457b. These catch up contributions allow you to save more money as you approach the end of your career.

An Orange County retirement planning consultant may recommend that you accelerate your goals by trimming your budget in certain areas. Instead of taking an expensive vacation overseas, enjoy a less costly getaway in the Orange County area. If you have an extra automobile, boat or motorcycle that you rarely use, consider selling this asset and contributing the funds to your Orange County retirement planning account. If you are planning to retire at the age of 65, think about extending your career for five more years.

It's never too late to begin planning for a more comfortable future in Orange County. Talk with a local financial planning specialist about how you can reach independence within your desired time frame. Even if you're getting a delayed start in your planning, you may catch up to your goals if with the help of an Orange County retirement planning expert.

Working After You Retire

In an ideal world, all working professionals would have sufficient funds to retire when they choose to stop working. Unfortunately, the rising costs of housing, food, transportation, insurance and health care have made it necessary for many older adults to remain in the workplace longer than they would have liked. While working in your senior years can be a source of social and intellectual stimulation, you shouldn't have to take a job just to make ends meet. Planning your income in advance will help you retire within your desired time frame.

If you decide to continue your career into your 60s and 70s, an Orange County retirement planning specialist can help you make the most of your available deductions and benefits. You can continue investing the money well into your senior years if you contribute to a Roth IRA. A Roth IRA is an individual account that allows you to make contributions from your post tax income. When you collect eligible distributions from a Roth account, you may owe no taxes on these funds.

Working beyond the age of 65 offers a number of financial advantages. The longer you work, the larger your benefits from Social Security will be. In addition, you can continue to allow the funds in your employer sponsored accounts accrue interest and dividends if you have an active source of income. While you are required to start taking distributions from a traditional IRA at the age of 70 1/2, you may let your Roth account grow for your entire lifetime. Talk with an Orange County retirement planning consultant about the best way to maximize your savings.

Planning for a more comfortable future well in advance will bring you closer to your dreams as you grow older. However, even if you don't get an early start, you can meet your targets with the help of an Orange County retirement planning expert. Compare information from several of the top consultants in your area to find a planner whose background and experience correspond with your goals.

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Retirement Planners In Orange County

Brad Maurer
Brad Maurer
2400 E Katella Ave
Suite 800
Anaheim, CA 92806

Rick Donnelly
Rick Donnelly
2040 Main Street
Suite 150
Irvine, CA 92614

Cheri  Franklin, CFP, AIF, CRPC
Cheri Franklin, CFP, AIF, CRPC
100 Spectrum Center Drive
Suite 900
Irvine, CA 92618

Matthew Pixa
Matthew Pixa
3020 Old Ranch Parkway
Suite 300
Seal Beach, CA 90740

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

Mark Higginbotham
Mark Higginbotham
21515 Hawthorne Blvd
Suite 580
Torrance, CA 90503

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

Theodore E.  Saade CFP®, AIF®, CMFC
Theodore E. Saade CFP®, AIF®, CMFC
2121 Avenue of the Stars
Suite 1600
Los Angeles, CA 90067

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

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