Enjoy smooth sailing in retirement with proper income planning.

Income planning for retirement can be a daunting task for many retirees because there is a lot to learn, and to many people a lot of the information is new. Whether you are just setting out on your retirement journey, or it is already well underway, you may be skeptical of whether you’ll have enough retirement income to maintain a comfortable and enjoyable lifestyle.

There are three major phases in the management of retirement income:

• The accumulation phase
• The distribution phase
• The preservation or transfer phase

Planning for your retirement may require a shift in mindset, and a solid understanding of the difference between retirement savings and retirement income. Prior to retirement, your financial life was dictated by your paycheck. Once you retire, however, you can no longer rely on a paycheck, which means you will be left to find other sources of income. You’ve worked hard to save for retirement, and now the time has come to find the proper methods of creating additional income from what you’ve saved. Although this can represent a challenge for many, it also represents a great opportunity to potentially grow your savings beyond what you’ve saved — and this is usually made easier by enlisting the help of a financial services professional that you trust.

We will work with you to help you uncover the various opportunities and concerns of each phase. Additionally, we will walk you through the process of:

• Determining how much retirement income you will need
• Estimating how long your current income plan may last
• Calculating how much additional income you may need
• Evaluating your additional income sources

Because taxes play a major role in any financial planning process, our firm will utilize tax advantaged vehicles to accomplish your retirement income goals, such as traditional IRAs, Roth IRAs, 401(k)s, and IRA rollovers.

Keep in mind, while the numerous options for your retirement savings may seem overwhelming, all of us at Cassady Wealth & Retirement Planning LLC, are here to help you make sense of it all.

Industry-leading investment management at your service.

At Cassady Wealth & Retirement Planning LLC, our main objective is to help our clients accomplish their evolving investment aspirations and goals in today’s complex investment marketplace. The advice and recommendations you’ll receive are custom-tailored to you, factoring in your risk tolerance, desired returns, time frame, and income specifications. With world-class market insights and our personalized approach to asset maximization, we offer innovative solutions for our clients. Our accomplished team of professionals shares a common vision for success and customer service, and we provide investment management that caters to each specific investor.

The benefit of asset maximization

Asset allocation is a management process that consists of combining various asset classes (stocks, bonds, mutual funds, and more) into a portfolio. Returns are sought from the portfolio as a whole, and not each individual security. This proven approach to asset allocation addresses potential risk through proper diversification while also pointing your assets toward achieving growth.

Our confidence in the aforementioned process, combined with our objective-driven management, make us a perfect fit for people who are investing for retirement income. We are also adept at focusing your assets to create a reliable source of retirement income with moderate volatility and aimed at long-term growth.

Asset maximization with a fiduciary

As a fiduciary, we have an obligation to ensure the appropriate products are chosen based on the clients’ best interest. Therefore, we develop your personalized asset allocation model based on individual risk tolerance, objectives and financial needs. Our goal is to maximize your investment returns through diversification of your assets* and a disciplined investment philosophy combined with rigorous risk management.

*Diversification and asset allocation does not assure or guarantee better performance and cannot eliminate the risk of investment loss. Before investing, you should carefully read the applicable volatility disclosure for each of the underlying funds, which can be found in the current prospectus.

Optimize your asset allocation for retirement.

Many Americans entering retirement come to find that the right asset allocation and risk can be just as important as the actual dollar amount they have saved. You’ve worked hard for years to save for retirement, and now that time is upon you. Perhaps you’re now wondering if all the pieces are in place for you to enjoy a happy and worry-free retirement. Are your assets allocated properly?

Our organization prides itself on providing full-service retirement planning to Las Vegas, Nevada and the surrounding communities. We take an extensive look at each client’s unique mix of assets — this includes everything from your bank accounts, pension, and Social Security benefits, to your estate plans, wills, taxes, insurance policies and more. Our comprehensive services and strategic partnerships allow us to integrate all aspects of our clients’ wealth into a coordinated effort. Our end goal is to create financial clarity for you and your loved ones, and to promote multi-generational wealth.

We offer:

• Insurance planning
• Beneficiary review
• Retirement planning
• Financial needs analysis
• Analysis of present and future expenses
• Estate preservation
• Income planning

When you work with us, we organize all of your financial, estate and tax preparation materials into a customized binder. Crafting your comprehensive retirement plan is a coordinated effort on our part, and is done so using an all-inclusive view. Although many financial services professionals focus on specific products, our experience has proven that our clients’ needs are best fulfilled focusing on processes, and most importantly, people.

Making a recommendation on asset allocation is not a one-size-fits-all proposal. When you speak with Cassady Wealth & Retirement Planning LLC, we provide you a framework that aims to satisfy your retirement income budgeting needs to go along with a risk tolerance that satisfies your growth expectations. Asset allocation simply isn’t something you do once, but something that may be ever-evolving throughout your retirement, and knowing who to turn to for advice can make a world of difference.

Life insurance offers multi-faceted retirement solutions.

Although some people view life insurance as a way to replace lost income or pay off debt after the passing of a loved one, it also can offer a number of potential benefits that may make it a valuable tool to accomplish different financial goals in retirement.

First and foremost, life insurance may provide peace of mind and a degree of comfort for the policyholder (the insured) that their loved ones (the beneficiaries) are taken care of financially in the event that they pass away. In addition, life insurance can be a sensible solution for many small business owners to help protect the financial future of their business if something should happen to them. Life insurance is also one of a few types of products that may offer helpful ways to reduce or avoid certain taxes.

In addition to a death benefit, however, life insurance is also one of a few types of products that may offer helpful ways to reduce or avoid certain taxes. Some of these benefits may include:

Death benefits:

• Policy death benefits paid to beneficiaries may be income tax-free.
• Some life insurance policies may allow the death benefit to be accelerated out before the insured’s death due to terminal or chronic illness, and that benefit may be income-tax free.

Tax-free exchanges:

• The insured may exchange their existing life insurance policy for a new life insurance policy and the investment gains on the original contract may be tax free.
• The insured may exchange their existing life insurance policy for an annuity and the investment gains on the original contract may be tax free.

Policy cash values:

• Cash values may grow tax-deferred during the insured’s lifetime.
• Income from cash value, when properly structured, may not be subject to income taxes.

As an independent insurance firm, we are able to shop dozens of insurance carriers to find rates and product solutions to fit your specific needs and goals, meaning we are not relegated to simply one line of products or one brand name like a captive agent. In addition, we offer complimentary reviews on your existing life insurance contracts.