Steps Toward Your Retirement Future
by John Valentine, contributions by Matt Vera and Genevieve Valentine

A prospective client asked the other day, "What steps do I take to comfortably transition into retirement?" After discussing the individual's lifestyle, investment goals/needs, and what they are hoping to accomplish with retirement planning, we designed a tailored plan that would help them in their retirement planning. 

Every client and prospective client I have worked with has wanted (maybe needed) to see a check list or an outline that will guide them through the retirement transition. After all, throughout the years,  you have built a nest egg upon which financial independence relies on your hard work, dedication, and planning, so why not have a guide to help you plan your retirement transition. Thus, our office established a general seven step guide we feel will help you comfortably transition into retirement. Of course our office will happily customize a retirement plan with you individually, however, it is also important to have a basic plan in hand.

Steps toward your retirement transition:

 The first step towards a retirement future is the introduction to an advisor who understands the importance of retirement planning.You and your advisor will gather the proper information necessary for determining the financial strategies that suit you best.

 Next, the VCAM team, in conjunction with several tax-planning specialists, using our proprietary software, will evaluate your situation. A complete cash flow and tax analysis (along with recommended strategies) is generated.

 Our following consultation provides you with recommendations and a written investment policy. Whether retiring or facing a career change, this information can help you best determine how your retirement funds and family assets should be invested upon retiring.

 Depending on your retirement date, periodic evaluations and updates will fine-tune your individual plan. All of these services are provided to you at no additional cost. We view these services as an investment of our time to ensure smooth transition from your full employment to retirement.

 Upon retirement, VCAM implements your investment plan using low-cost money management systems. This is achieved by using our proprietary asset allocation models tailored to your needs.

 During retirement, VCAM monitors your portfolio on an ongoing basis, in conjunction with political, economic, and world events to optimize your portfolio’s objectives.

 Lastly, your VCAM representative will schedule periodic meetings to update and analyze your portfolio. The proper balance and allocation of individual investments will be evaluated by our financial advisory team to maintain the proper asset allocation.

 To schedule time to discuss you personalized Steps to Retirement guide, please contact our office. We look foward to customizing a plan with you. Happy Retirement Planning.