Income Planning

Income Planning

Our financial planning process is a thorough, yet simple way for you to take the first step toward reaching your financial goals. Throughout our process, we can help develop customized financial strategies that can turn your goals into reality.

  • We identify the values and beliefs most important to you and your family.
  • We establish a clear set of short & long-term financial goals based on your values & beliefs.
  • Together, with your tax, legal and other professional advisors, we compare financial alternatives and develop recommendations that work towards achieving your financial goals.

A well rounded financial plan examines your total financial picture: your current financial position, risk management, investment planning, retirement planning, tax planning, and estate planning. Your most valuable asset is time. The sooner you begin to plan for your financial future, the better your chances of achieving your goals. Give us a call today to meet with a retirement financial planner Biloxi, MS relies on for their retirement and financial planning needs.

Some of our Financial Services include the following, but not limited to:

  • Strategic Portfolio Management
  • Retirement Income Planning
  • Tax Forward Planning 
  • Social Security Planning
  • Legacy Planning 
  • Estate Planning
  • College Funding
  • IRA/401(K)/403(B)/TSP Rollovers

Insurance Planning

Protecting what matters most
No one can predict the future, but we can certainly prepare for it.

Today’s families are concerned about the bigger picture: healthcare costs, retirement readiness, and protecting their family’s quality of life. That’s why we’re committed to helping provide holistic solutions designed to help people achieve a lifetime of financial security.

Insurance from Capital Growth Management helps protect people’s financial future with solutions through every stage of life. Explore our range of cost effective options below, and rest easy.

 

Some retirees underestimate the impact a big market loss may have on the future of their income. Luckily, insurance can be used to protect more than just your physical assets. It can also be used to help protect your future. Our firm specializes in helping individuals safeguard their retirement nest eggs by offering a variety of insurance products and financial planning strategies.

Some of our Insurance Services include the following, but not limited to:

  • Critical Illness Insurance
  • Indexed Universal Life Insurance
  • Life Insurance

When looking at any type of financial planning insurance can protect more than just physical assets. We specialize in helping look at the whole picture to safeguard your retirement nest eggs and income. We have a very comprehensive financial platform offering which we work with you to create your financial planning strategy.

 

Retirement Planning

Wouldn’t it be nice if there was a simple, one-size-fits-all solution to retirement planning? Unfortunately, retirement planning isn’t that easy.

It’s hard to make a plan that both meets your immediate needs and makes your retirement savings last. Plus, everyone has different retirement goals. Some people want to relax after decades of hard work. Others want to stay busy with volunteering, hobbies, traveling or part-time work. Others might need to care for family members.

That’s why working with a trustworthy financial advisor to build a custom plan can make a big difference. But where should you start? We recommend asking your advisor these five questions to kick off a strong working relationship that’ll pay off in the years to come.

Question 1: Where will my retirement income come from?

The question sounds easy enough to answer, but sometimes it’s not. It can be tricky to create a consistent paycheck that’ll last throughout your retirement.

Retirement income usually comes from one or more of these sources:

  • Retirement accounts or pensions
  • Social Security benefits
  • Part-time work
  • Passive income from investments
  • Guaranteed income from annuities

 

When and how much you withdraw from each will be a major part of your retirement plan. Talk with your advisor and make sure you have a plan that fits your needs.

Question 2: What’s my plan for Social Security?

Social Security is still one of the most reliable sources of retirement income. It provides income for you and your survivors that’s adjusted to your cost of living. Depending on your situation, Social Security benefits may make up all or just a small part of your retirement income.

Question 3: How should I prepare for health and long-term care costs?

Many people think planning for health care in retirement is just enrolling in Medicare Part A and paying some Part B premiums. But there’s more to think about. Even a healthy 65-year-old couple has a 75% chance that at least one of them will require significant long-term care.

Whether you’re in assisted living or paying for home health care, the costs can add up. And Medicare or other medical insurance often won’t cover the bill. Having a good long-term care plan may save you and your family headaches down the road.

Question 4: How should I invest?

That depends on your risk tolerance and, more importantly, your risk capacity. You may be OK with taking risks but find it hard to recover from a market drop.

A good advisor will take a full look at your assets and give you honest advice on how to invest wisely.

Question 5: How should I manage inflation?

Inflation affects each of us differently. Retirees living in their own homes may experience rising utility and food costs, while those living in a retirement community may have to deal with their rent going up.

It’s important that your retirement plan includes a cushion to help you manage inflation. Make sure your advisor is aware of your situation so they can give you the best advice.

Retirement planning is an ongoing process.

Even when you have a retirement income plan, it may not be final. Some factors that can affect your planning are:

  • Personal or family health changes.
  • Inflation, market or interest rate changes.
  • Tax and legislative changes.
  • Divorce or the death of a spouse.

You and your advisor can always revisit your plan as your retirement goals and financial needs change.

Supporting All Your Most Important Decisions in Realtime

  • Staying on track with your goals
  • Reviewing financial decisions
  • Updating financial projections
  • Evaluating tax savings options
  • Advising on 401k allocations
  • Supporting your kids’ financial goals and plans

Every Roberts Wealth Retirement Flight Plan Includes:

Your finances support the life you love, and can affect everything else. So it makes sense that at Roberts we work with you on all parts of your financial plan through one central process. When clients ask, “Can you help with this?” our goal is be able to say, “yes!” as often as we possibly can. That’s the benefit of doing things The Roberts Way.

Income Planning

Your hard-earned wealth has to last a lifetime, and that takes planning. We work with you to build toward the goal of
maintaining your lifestyle.

Tax Planning

Your finances in retirement are particularly exposed to taxes. We plan ahead giving you options for tax mitigation.

Estate Planning

The values you live by carry on through your legacy. Our planning process uses estate planning to extend those values and that legacy.

Medical Planning

The rising long-term care cost for seniors is an essential part of not outliving your money. We plan for those costs and protect your assets wherever possible.

Investment Planning

Not just another portfolio, we build and manage investment models aligned to your plan goals and desired future.

RWM Capital

We built RWM Capital as our
operations and compliance
backbone to empower our advisors to act in your best interests.

Building You A Better Us.

Like you, we’re always trying our hardest to get better! Look what we’re up to.