Planning For Your Future

Create the Life You Deserve

Retirement Planning

All of us look forward to retirement, but many people do not take the time to consider and understand how they will finance it. People are now living longer than ever, which means a multitude of retirement years to consider when planning for their financial future. Allow our team of financial professionals to guide you through this process.

 

Upstate Wealth Consulting will begin by uncovering where you are in your retirement planning, so we can determine if you are in the accumulation stage and investing money, or in the distribution stage and looking for income solutions.

Either way, the retirement planning strategy we create for you revolves around you and your targeted needs. We work with you on the various ways you can accumulate and build wealth, keeping your goals at the forefront. From there, we create a plan for you to meet these goals.

During the distribution stage of your retirement planning, we work with you on all aspects of your unique financial situation; considering qualified and non-qualified money, to facilitate an income that can help you meet your needs. We provide retirement planning products for individuals that include:

  • IRA’s: An IRA is a tax-deferred personal savings account that allows you to save for retirement without a company-sponsored plan. Throughout your lifetime, you can make tax-deductible “contributions” (subject to limitations) to your IRA, which you can then invest in basic securities such as stocks and bonds. 

  • Traditional IRA’s

  • Roth IRA’s

  • Mutual funds: A mutual fund is a type of investment used in retirement planning consisting of a portfolio of stocks, bonds, money market assets, and other securities that is “mutually” owned by a pool of investors; providing access to diversified, professionally managed portfolios at a discounted rate.

  • Annuities: An annuity is a contract between an insurance company and an annuity owner. In exchange for a purchase payment, or series of payments, the insurance company guarantees to pay a stream of income in the future. Our financial advisors at Upstate Wealth Consulting may recommend an immediate or a deferred annuity, based on your individual, unique situation, needs and financial goals.

 Planning for Tomorrow Begins Today

Our dedicated wealth management advisors are committed to help ensure you with the utmost confidence that your money, assets, and estates are appropriately invested to benefit you and your loved ones.