Your Dream Retirement Starts Here

Every day is another day closer to your retirement. Make it everything you imagined by developing a retirement and wealth management strategy with HSC Wealth Advisors. We are wealth planning specialists who can plot a personalized roadmap to financial freedom and a fulfilling retirement. Whether retirement is on the horizon or you are already there, we can step in at any stage with fee-only wealth management services that make a difference.

Why Retirement Planning Is Crucial

Retirement can be the most fulfilling and enjoyable period of your life. Planning today will put you in control of your retirement lifestyle. There are numerous financial matters to consider before retirement, each impacting your spending power and legacy plans — that is why retirement planning is crucial. As professionals in wealth management for retirees, HSC Wealth Advisors will build a strategy that benefits you and your family:

Build savings that last through retirement.
Maximize your Social Security earnings.
Create a health care expense reservoir.
Institute a legacy plan aligned with your intentions.

What Makes Us the Perfect Partner for Retirees?

At HSC Wealth Advisors, we create fruitful wealth management strategies for retirees by blending financial expertise with a commitment to your future. We have spent four decades refining our approach to retirement planning and wealth management, nurturing traits that benefit each client we serve:

Independent financial advisors: We use our experience as our guide, serving you without allegiance to a specific broker swaying our decisions.
Fee-only service model: We build strategies according to what works best for you and your budget, never upselling services or taking commissions from outside parties.
Personalized financial strategies: We have the flexibility to shape your retirement plan around your unique circumstances.
Fiduciary responsibility commitment: We prioritize your best interest above all else as a fiduciary that takes its legal and ethical responsibilities seriously.
Proactive support: We actively monitor retirement plans as they unfurl, allowing us to recognize trends and implement strategic changes when necessary.

Case Study: Richard and Regina Roberts

Richard and Regina came to us at age 55 and 54 respectively with the desire to retire as soon as possible. They both had successful careers in sales under their belts and wanted to know if they had “enough” to fund a moderate but comfortable retirement. Regina had already transitioned to part-time work, and Richard was feeling burned out by the stress of his job. They were both eager to have more time available to spend with each other and family now that their three children had graduated college.

During our introductory meeting, Richard disclosed to us that he had switched jobs a few years before and had accumulated almost a million dollars in his 401k with his previous employer. If he rolled this into an IRA, he could not access these funds without encountering a 10% early-withdrawal penalty until age 59½. Consequently, he had questions about whether he should continue to work. They were a bit overwhelmed by the number of considerations involved with approaching retirement: Where do we get health insurance coverage? How much can we spend? Will one or both of us have to get a job in our 70’s to supplement our income? When should we collect Social Security to maximize our benefits? Together we discussed their retirement goals and spending needs extensively before running any retirement analysis.

After several meetings with the Roberts to understand their situation fully, we prepared a plan integrating their taxable (brokerage accounts) and tax-deferred (employer retirement plan) assets that would allow Richard and Regina to retire the following year without incurring tax penalties. We helped them set spending goals that they will be able to maintain, and as part of our partnership we will help hold them accountable to those goals. We determined the most appropriate time for them to collect Social Security benefits based on their need, types of accounts and post-retirement income. We also helped them formulate a plan for health insurance coverage post-retirement and pre-Medicare.

With our strategic planning, Richard and Regina were able to get into a healthy retirement mindset; we asked them to consider what they were retiring TO. What would get them up in the morning when their jobs were no longer in the picture? What would be the activity providing purpose in their lives? Other than spending the extra time with family and friends, Regina now has plans to volunteer with the woman’s ministry at their church and Richard is looking forward to playing more golf and helping a local non-profit that focuses on young athletes in the community. As part of our long-term relationship, HSC will continue to partner alongside the Roberts’, removing their financial burden so they can “Sleep Well at Night” by managing their investment portfolio and providing sound counsel as circumstances arise in their retirement years.

Comprehensive Retirement Planning Services

As CERTIFIED FINANCIAL PLANNERS® with prolific experience, we offer a comprehensive suite of retirement planning and wealth management services.

Investment management: Contribute to your retirement savings by building an investment portfolio with curation and management support from our insightful advisors.
Medicare and Social Security strategies: Meet your health care and income needs during retirement by planning your Medicare and Social Security utilization with HSC Wealth Advisors today.
Employer-sponsored plan management: Calibrate your 401(k) or 403(b) retirement savings strategy to align with your income needs during retirement.
Pension plan management: Establish and manage a Simplified Employee Pension (SEP) plan to ease your transition into retirement as a small business owner, employee, or self-employed individual.
IRA plan management: Save for retirement by opening an individual retirement arrangement (IRA) or converting an existing account into an IRA — we will optimize your contribution strategy for maximum savings.
Annuity investment planning: Buy a fixed or variable annuity as part of a robust long-term savings strategy overseen by our advisors.

Contact HSC Wealth Advisors About Wealth Management for Retirees

With HSC Wealth Advisors as your partner, you can look forward to retirement while feeling confident in your financial standing. Our CERTIFIED FINANCIAL PLANNERS® can craft a wealth management strategy that makes your goals achievable, so contact us online to speak with an advisor.