Retirement Planning: Savings & Income Planning

Two of the greatest financial challenges Americans face are the need to save enough money to secure their financial security in retirement and the way to allocate and safeguard that savings once retired.

At Hunt Country Wealth Management, we help you prepare and optimize for your financial future by partnering with you in building your investments and savings, managing and optimizing your opportunities and protecting your resources as they are acquired and then utilized as income.

Currently, the retirement-savings system in the U.S. is built on three pillars: social security, employer-sponsored pensions or retirement savings plans, and individual savings. Social security replaces only about 40% of an average wage earner’s income when they retire, the rest is essentially up to you. And, in today’s savings system of “defined contribution plans,” the employee, not employer, assume the risks and rewards associated with long-term investing and savings.  

We tell our clients that preparing for and descending into retirement is much like mountain climbing. The climb takes education, preparation, discipline, endurance and mental tenacity. You make a plan to the top, and then you execute it– working hard to optimize the results and plan for the unexpected. The descent into retirement income planning is much like summiting the mountain and coming down the other side- which many climbers would argue is the hardest part of the journey (Including Jon Krakauer in his famous personal account, Mt. Everest Disaster). Financial preparation for retirement is very similar, and addressing the risks of rising healthcare costs, longevity, inflation, risky investments allocations and excess withdrawal take equal preparation and  management at a time late in the journey when you may not have time to recover without altering your plans. 

We aim to help our clients feel the confidence and security of knowing that you have taken the steps to successfully secure and enhance your future. Learn how we guide you through the Retirement Savings and Retirement Income Planning journey below. 

Retirement Savings

Today, there is an almost limitless pool of investment options, and everyone by this point has some notion they should be saving for the future. But what exactly does that mean and how do you get there? Sadly, the financial industry has become really confusing for investors to navigate, and it can be difficult even for skilled DIY investors to access their investment choices, research every 401K plan option available and secure the proper allocation and management to establish a unified strategy that works. The reality is, most individuals just pick an investment mix when they start a new job and never look into it again. Does this sound familiar? Almost everyone could benefit from some financial guidance from time-to-time. That doesn’t necessarily mean a long-term advisory relationship, particularly for individuals just starting out on their journey. For investors focused on saving for old age, our fee-based Personal Wealth Plan™ can really help. We also provide coaching services for Behavioral Finance™ and where to save beyond retirement plans– such as how to determine the best use of a small inheritance and/or extra cash in a bank account.

Learn More About The Personal Wealth Plan™

The Personal Wealth Plan™ was designed to offer individuals a clear understanding of various complex financial problems you may be facing and to answer such questions as:

  • How to Invest: A Guide to Know if You are Invested Properly
  • How to Save: A Guided Process for Retirement Savings
  • How to Minimize Risk: A Guide to Know if You are Taking too much or too little Risk
  • Am I Missing Somthing? A Plan to Identify and Address Potential Blind Spots in Your Financial Portfolio
Isn't Your Future Worth a Second Opinion? Schedule Your Complimentary Consultation of Your Investment Portfolio or Retirement Savings Plan Today.

 Retirement income planning

It is estimated that every day, 10,000 baby boomers retire1—and while many financial planners have spent their careers dedicated to helping individuals accumulate wealth, few are well-versed in helping their clients create sustainable retirement income. Retirement income is defined as the amount of money an individual earns after retiring based on retirement savings assets, Social Security allowances, pension, stocks, mutual funds, savings account, CDs, annuities, insurance, rental income, royalties and/or inheritances.
Once an individual nears retirement, their focus needs to switch from wealth creation to planning how to create a stable and secure source of income which supports their lifestyle and needs in retirement. Retirees often face unexpected expenses besides their regular income needs.  Further, some prefer to spend more if they can afford it or arrange for different goals, such as leaving money to family members or charities. We have designed our Signature Service, The Retirement Navigator™, to help you navigate planning for your upcoming retirement. Learn more below… 1 Source: Cohn & Taylor (2010, December 29). Baby Boomers Retire: Pew Research Center.

Get In Touch

46 S. Loudoun st.

Winchester, VA 22601
+1 540 205 8186

Please Note: We never share your personal information with outside parties.