(850) 638-0388

Retirement
Planning

Complimentary Consultation

What We Can Do For You

For our clients, retirement planning doesn’t start at retirement. It starts much before! Our Retirement Planning service takes a long-term view of your financial well-being. We use a life-cycle approach to ensure your “Life after work” is as well-planned as your life prior to retirement.
Here’s what we do for you as part of our Retirement Planning service:

Your personalized retirement planning strategy:

Everything we do for you centers around four pillars – Helping you plan to achieve your financial goals prior to retirement; Planning to ensure you have sufficient income during retirement; Putting plans in place to safeguard your Nest Egg and yourself against potential catastrophes; Planning for your legacy.

Understanding your goals:

Through an intensely personalized approach, we understand what your retirement goals are.

Analyzing where you are at:

To plan a meaningful retirement, you need to know where you currently stand. We’ll help you build an in-depth financial inventory to use as part of our retirement planning process.

Developing the plan:

Remember all those questions you had on your mind – largely unanswered? Well, we’ll work with you to create a retirement plan that addresses every one of them. When we’re done, you’ll not only know what you need (income) to fund your retirement lifestyle, and what your investments will generate; but you’ll also know how to bridge the shortfall – if any.

Implementing the plan:

As you move closer to retirement, we’ll work closely with you to ensure the plans are implemented in a phased and orderly manner. The goal of our Retirement Planning approach is to make transitioning into retirement as seamless and stress-free as possible.

Supporting you make decisions on pensions and benefits:

Our retirement planning professionals will be right there when you need them, with help and advice on pensions and benefits (Government or Employer): Whether to apply or not? When to apply? What to do with those funds…and much more.

Looking out for you in retirement and beyond:

Our Retirement Planning service isn’t done yet – not by a long shot! To live a long and fulfilling retirement, you’ll need help with many other facets of your life – Health Care, Insurance, Charitable Giving and Legacy Planning. When you need our advice, our specialists will know exactly how to respond!

Ongoing reviews:

Our Retirement Planning service ensures that we maintain a long and enduring relationship with you. We’ll continue to monitor and review your retirement plans, and consult with you frequently about any changes or updates needed to address your evolving retirement lifestyle needs.

Long before retirement even hits our radars, we’re planning what type of education, skills training and professional designations we’ll acquire. We also spend a lot of time planning which industries are the best place to work in, and which employers to work for. Once employed, we carefully strategize our every career move, so that we progress to the top of the ladder in our respective fields.

Sadly though, while we focus most of our efforts on all these plans, we often forget to plan for “life after work”!

CALL FOR AN APPOINTMENT TODAY

Why Retirement Planning is Important

Everything we do – from choosing a career to managing career progressions at our employers – is presumably so we and our families and dependents can have a better life. But if we fail to plan for “Life after work”, all of the plans and effort we put into our working lives, could be jeopardized.

What will retirement look like? Are we spending too much? What if we’re not saving enough? How frequently should we be saving? Could we run out of money in retirement? Are we investing in the right places? How much will we need in retirement? Will Government and Employer pension plans cover us through retirement?

If we don’t plan for retirement, we’ll never be able to prepare for it. And an ill-prepared retirement is bound to be one filled with financial stress and chaos!

Chipley Location Address

Southern Financial Group
934 Main Street
Chipley, FL 32428

Chipley Location Phone

Phone: (850) 638-0388
Fax: (850) 638-0205

Dothan Location Address

Southern Financial Group
256 Honeysuckle Road, Suite 9
Dothan, AL 36305

Dothan Location Phone

Phone: (334) 699-4051
Fax: (334) 699-1579

Navigating a Financial Crisis

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During a crisis, you need answers, and your financial advisor knows this. It is a scramble to find the right information, and sometimes you do not even know whom to call. So, what do you do? Well, luckily for you, we have spent some time thinking about this and have...

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Securities offered through J.W. Cole Financial, Inc. (JWC). Member FINRA/SIPC. Neither J.W. Cole Advisors, Inc. (JWCA) or J.W. Cole Financial, Inc. (JWC) nor its representatives provide legal, tax preparation or accounting advice. Persons who provide such advice do so in a capacity other than as a registered representative of (JWCA/JWC). Southern Financial Group and JWC/JWCA are not affiliated entities.

Registered Representatives of J.W. Cole Financial, whose identities and associations with Southern Financial Group are disclosed on this site, may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. No information provided on this site is intended to constitute an offer to sell or a solicitation of an offer to buy shares of any security, nor shall any security be offered or sold to any person, in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under securities laws of such jurisdictions. Please note that not all of the investments and services mentioned may be available in every state.

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