hart retirement income plan
H art R etirement I ncome P lan A Customized Process for Creating Income for Your Retirement Years
Once your goals have been established, the next step is to decide how much income you will need to live the lifestyle you have envisioned. Knowing when to convert your investments to cash is part of our retirement planning process to help meet your current and future income needs.
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that we have mapped out your investment and income needs; it is time to implement them into a strategy based on your goals and risk tolerance. Deciding which investments you want to convert and when to do that is one of the most critical parts of the Hart Retirement Income Plan.
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Decide 02
Decide
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Decide 02
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Our process starts with assessing your goals and needs in retirement. Knowing how much immediate income you will need from your investments is just the beginning. We will discuss the variety of options available to you, from how to maximize your social security benefits to Roth IRA rollovers. Our process will help determine your cash needs for not only the next two to three years but for the next 23 years.
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eview R 04
Assess
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03
04 Review
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As with everything, change is just another aspect of retirement planning. t 03 Im pleThat m e n is why every year we will review your retirement plan and make adjustments where appropriate. Factors such as inflation, monthly cash needs and investment allocation will be assessed and together we will determine if changes need to be made or if your retirement plan is still on target. We want to work with you to insure that you don’t run out of money before you run out of heartbeats!
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04
llc
Tim Hart (503) 722-3499 [email protected] www.hartfinance.com Securities offered through Securities America, Inc. Member FINRA/SIPC. Tim Hart Registered Representative. Advisory Services offered through Securities America Advisors, Inc. Hart Financial, LLC and the Securities America companies are not affiliated. ©October 2013
Once your goals have been established, the next step is to decide how much income you will need to live the lifestyle you have envisioned. Knowing when to convert your investments to cash is part of our retirement planning process to help meet your current and future income needs.
02
02
H art F inancial ,
01
02 ent Values 03 Im le mYour p
02
03 Im ple m e n
Review Review 4 0 04
Assess 01
Assess 01
Goals Priorities
t
03 Im ple m e
nt
Assess 01
03
Implement
03
that we have mapped out your investment and income needs; it is time to implement them into a strategy based on your goals and risk tolerance. Deciding which investments you want to convert and when to do that is one of the most critical parts of the Hart Retirement Income Plan.
04
Decide 02
Decide
01
Decide 02
02
Review Review 4 04 0
01
03
Assess Now 01
03 Im ple m e
nt
Decide Decide 02 02
01
Assess 01
Decide 02
Our process starts with assessing your goals and needs in retirement. Knowing how much immediate income you will need from your investments is just the beginning. We will discuss the variety of options available to you, from how to maximize your social security benefits to Roth IRA rollovers. Our process will help determine your cash needs for not only the next two to three years but for the next 23 years.
01
eview R 04
Assess
03
03
04 Review
04
As with everything, change is just another aspect of retirement planning. t 03 Im pleThat m e n is why every year we will review your retirement plan and make adjustments where appropriate. Factors such as inflation, monthly cash needs and investment allocation will be assessed and together we will determine if changes need to be made or if your retirement plan is still on target. We want to work with you to insure that you don’t run out of money before you run out of heartbeats!
04
04
llc
Tim Hart (503) 722-3499 [email protected] www.hartfinance.com Securities offered through Securities America, Inc. Member FINRA/SIPC. Tim Hart Registered Representative. Advisory Services offered through Securities America Advisors, Inc. Hart Financial, LLC and the Securities America companies are not affiliated. ©October 2013
