Robert has worked for the same employer for the last 15 years. During that time, he has not been contributing to social security. Our advisors at Capita will help him understand the consequences of not contributing to social security both on his personal social security benefit and his spousal/survivor benefits and build a the proper filling strategy to maximize lifetime benefits.
Capita will build a pension analysis to help Robert decide on either the monthly or lump sum option. We will provide both the pros and cons as this decision is completely based on the individuals financial needs and circumstances. We will then help him with the entire paperwork process.
Through Capita's network, we will assist with his transition to Medicare 90 days before he retires.
Capita will create an individualized investment portfolio to help Robert understand all of his 403(b) options.
Capita will build a plan for Robert's income and spending needs. The goal is to make sure that Robert does not outlive his money or run out of funds. This plan will be based on his general retirement income including proper asset allocation, Social Security benefits, pension, and 403(b).
Capita will ensure that Robert is maximizing his current tax bracket. As he continues to work, we will encourage optimization of all company sponsored plans such as 401(k), 403(b), and HSA. In addition, Capita will review Roth conversion and charitable giving strategies to identify tax mitigation opportunities.
Here at Capita, Robert has a team that will help him before, during, and throughout retirement. We commit to be here for him every step of the way.