Our Services
Retirement Planning
Retirement planning is never the same for any one client. There are too many moving parts and variables to make this type of planning a “cookie cutter” or “one size fits all” financial experience. Our goal in any retirement plan is to make sure that, no matter what happens with the markets or in your personal world, there is enough money to support you and your family for the rest of your life.
Investment Management
Most clients come to us having been good savers, and that’s a great quality to have. Many of our new clients have amassed 2-10+ different accounts through years of work and monetary discipline. But some have lost track of what is invested in these accounts and why, and that can be a dangerous mix as you head towards the end of your prime working years. At Capitol Retirement Strategies, investment management means coordinating and adjusting these investments to create a sound and purposeful retirement strategy.
Income Planning
Retirement income planning needs to be done well before you actually retire. When do you take Social Security? Do you have a pension? Do you need to create income out of investment accounts? These are just some of the questions we need to answer as we address and create your retirement income plan.
401k & TSP Advice
When people leave their job or retire, the natural inclination is the leave their 401(k) (or Thrift Savings Plan (TSP) for federal employees) in place. But that may not be the best option for every person, depending on their personal financial situation and preference. The advisors at Capitol Retirement Strategies can help you make the right choice when it comes to your 401(k) or TSP funds.1
1 Please be sure to speak to your financial professional to carefully consider the differences between your company retirement account and investment in an IRA. These factors include, but are not limited to changes to availability of funds, withdrawals, fund expenses, and fees
Long Term Care Insurance
Seven out of every ten Americans who live past the age of 65 will need some form of Long Term Care before they die. Long Term Care insurance helps pay for the cost of home care, assisted living and skilled nursing care. The average annual cost of these services currently ranges from $70,000 to $120,000 and are projected to double within twenty years! Long Term Care expenses are the kryptonite to even the best designed retirement plans and should be addressed with Long Term Care insurance to protect your assets
Life & Disability Insurance
Almost 50% of Americans are underinsured – are you one of them? You may have life and/or disability insurance through your employer or have purchased a policy independently, but how do you know if it’s ‘enough’? We will review your coverage to ensure that, should the worst happen, your family will be sufficiently provided for.
