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Prepare for a Bright Future With Retirement Planning Services in Michigan

Retirement is a significant milestone that marks the beginning of a new chapter in your life. It’s a time to savor the fruits of your labor and enjoy the freedom to pursue your passions. However, to truly embrace this stage with confidence, proper planning is essential. That’s where Timothy Roberts & Associates LLC, your trusted partner, comes in. We provide retirement planning services in Michigan.

We have helped numerous clients secure their financial well-being during their golden years. Our services cover a wide range of crucial areas, including investment management, tax planning, estate planning, risk management, and more. We pride ourselves on staying abreast with the latest industry trends and regulations, ensuring that you receive the most relevant and effective advice.

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Where are you on your retirement journey?

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I’M IN THE EARLY STAGE OF RETIREMENT PLANNING

Are you just starting to think about your retirement? We can assist you in setting a solid foundation for your future by developing a comprehensive retirement plan that aligns with your goals and aspirations. Let’s get started on securing your financial well-being.

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I’M APPROACHING RETIREMENT AGE

As you near retirement, it’s crucial to evaluate your financial readiness. We’ll conduct a comprehensive assessment of your current financial situation and guide you in making the necessary adjustments to help ensure a smooth transition into retirement.

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I’M ALREADY RETIRED

Congratulations on reaching this milestone! Now it’s time to focus on preserving and optimizing your retirement assets. We specialize in creating tailored income strategies that align with your post-retirement goals, working toward ensuring that your financial resources last throughout your retirement years.

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Where are you on your retirement journey?

Where are you on your retirement journey?

I’m in the early stage of retirement planning: I’m approaching retirement age: I’m already retired:
Are you just starting to think about your retirement? We can assist you in setting a solid foundation for your future by developing a comprehensive retirement plan that aligns with your goals and aspirations. Let’s get started on securing your financial well-being. As you near retirement, it’s crucial to evaluate your financial readiness. We’ll conduct a comprehensive assessment of your current financial situation and guide you in making the necessary adjustments to help ensure a smooth transition into retirement. Congratulations on reaching this milestone! Now it’s time to focus on preserving and optimizing your retirement assets. We specialize in creating tailored income strategies that align with your post-retirement goals, working toward ensuring that your financial resources last throughout your retirement years.

Retirement Planning Services Michigan

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Financial Position

We evaluate your current financial position, including assets and liabilities. Our years experience have prepared us to guide you through your life transitions.

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Pension & Lump-Sum Distributions

We advise you whether taking a lump-sum distribution or opting to take monthly payments better fits your particular financial situation.

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Social Security

We review your Social Security account to help determine when to begin taking your benefits based upon your financial objectives with a goal of maximizing your income during your retirement.

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401K/403b/IRA’s

We make sure that you understand how other sources of retirement income affect you and the retirement planning process.

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Executive & Employee Stock Options

Feeling like you’re not fully invested in your company’s success? Our Employee Stock Option Services can change that! We empower individuals by providing personalized consultations and online resources to understand and maximize the potential of their stock options.

Want to learn more about retirement, social security, or estate strategies?
We have a wealth of resources.

Why you need Retirement Income Planning in Michigan?

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FINANCIAL SECURITY

Retirement income planning is essential to create a solid foundation of financial security. Without proper planning, there is a risk of outliving your savings or not having enough to cover your desired lifestyle expenses. Our experienced financial advisors will collaborate with you to assess your current financial situation, determine your retirement goals, and develop a personalized plan with the goal of providing a steady income stream throughout your retirement.

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MITIGATING MARKET VOLATILITY*:

Financial markets can be unpredictable, with fluctuations that can impact your retirement savings. Our retirement income planning service takes market uncertainties into account. By diversifying** your investments and employing risk management strategies, we work to help you reduce the potential negative impact of market volatility. Our team closely monitors market trends and adjusts your investment portfolio to work to optimize returns while minimizing risk.

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OPTIMIZING RETIREMENT BENEFITS:

Retirement income planning involves a comprehensive assessment of your retirement benefits, including Social Security, pensions, and other sources of income. By understanding the intricacies of these benefits, you can potentially maximize your entitlements and make informed decisions about when to start claiming them. This careful optimization can significantly impact your retirement income and contribute to a more comfortable and fulfilling retirement.

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LEGACY PLANNING

Retirement planning also encompasses the aspect of legacy planning. It enables you to consider how you want to distribute your assets and leave a lasting impact on future generations. By incorporating estate planning*** and creating a comprehensive will, you can work to  ensure that your loved ones are taken care of and your assets are passed on according to your wishes.

*Investors should consider their financial ability to continue to purchase through periods of low price levels.

**A diversified portfolio does not assure a profit or protect against loss in a declining market

***For a comprehensive review of your personal situation, always consult your legal advisor. Neither Cetera Financial Specialists LLC, Cetera Investment Advisers LLC nor any of its representatives may give legal advice.

Advising with Integrity and Trust. Your Interest is our Only Interest!

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Planning for All Stages of Life

An individual’s financial plan is the piece that holds all of the other financial topics together. When building a home, you wouldn’t get started until you had the home’s blue-prints established. The same goes when piecing together your financial future. The blue-print related to your finances is your personal financial plan. Your plan should explain pertinent details of your financial goals and strategies. As life goes on and your dreams and goals change, so should your financial plan.

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Financial Planning Process

  • – Establishing and defining the client-planner relationship
  • – Gathering client data including goals
  • – Developing and presenting recommendations and/or alternatives
  • – Implementing the recommendations
  • – Monitoring the progress

Financial Planning Services

Financial Planning Services

  • Collection and analysis of financial data
  • Retirement planning
  • Social Security maximizer
  • College education planning (if applicable)
  • Asset allocation & risk tolerance review
  • Estate & charitable planning
  • Risk management & insurance needs
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  • Optional asset management services
  • Integrating corporate sponsored compensation & benefit plans into your financial plan
  • Working with other professionals (ex. CPA or Estate Attorney) to align your financial goals
  • Preparation of a financial plan document and/or collateral materials for the financial planning items indicated above twice per year
  • Access to our client portal – view all of your accounts, liabilities, credit cards, spending/budget, etc. in one place!
  • Advising with Integrity and Trust. Your Interest is our Only Interest!

Advising with Integrity and Trust. Your Interest is our Only Interest!

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life insurance

Life Insurance

Life insurance can provide security for those who matter most to you while protecting and shaping your financial future.

Life insurance can protect your loved ones, provide income, potentially reduce future taxes, diversify your portfolios and protect the businesses you’ve worked so hard to build.

  • Term Life
  • Universal Life
  • Variable Universal Life
  • Whole Life

Disability Insurance

Disability Insurance Protects Your Income!

Your ability to earn a living is likely the most important financial asset you have. Disability insurance can help protect your income in case the unexpected happens.

  • Short-term disability insurance
  • Long-term disability insurance
  • Mortgage disability insurance
  • Supplemental disability insurance
  • Disability overhead expense insurance
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Long-Term-Care

Are you prepared? The average use of long-term care services is 3 years.

Long-term care expenses are a key risk to your retirement plan, and you need to plan for them. If long-term care is needed, it will affect you and your caregivers financially, physically, and emotionally. Having a plan to address these concerns is critical to easing the burden on you, your family, and your friends.

Long-Term-Care Plans:

  • Traditional stand alone
  • Hybrid living benefits

Annuities

Annuities help people like you add certainty and confidence to their retirement income planning.

Annuities can protect the growth of your future income and provide reliable monthly income for the rest of your life.

  • Fixed Annuities
  • Indexed Annuities
  • Variable Annuities
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Estate Planning

Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death.

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Trust Planning

Preparing for the eventual distribution of your assets may not sound enticing. But a trust will put the power in your hands.

Four Reasons Millennials Need an Estate Strategy

Estate strategies for millennials may sound like less of a concern than retirement, but young adults should prepare now.

Succeeding at Business Succession

There are a number of reasons for business owners to consider a business succession plan sooner rather than later.

Our business is built on a foundation of thoughtful client relationships.

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation.

Securities offered through Cetera Financial Specialists LLC (doing insurance business in CA as CFGFS Insurance Agency), member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC. Cetera entities are under separate ownership from any other named entity. 

This site is published for residents of the United States only. Registered Representatives of Cetera Financial Specialists LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site,visit the Cetera Financial Specialists LLC site at www.ceterafinancialspecialists.com.

Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

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