Retire With Confidence
A risk-informed plan leads to the retirement lifestyle of your choice. Having no plan leads to whatever retirement lifestyle you can afford.
No Substitute for Expertise
For years, you poured your time and energy into building a career, a family, and a comfortable life. At some point, almost everyone pauses and wonders, “Do I have enough to retire?” It’s an honest question, and a significant one. Nobody wants their money to run out before they do, especially after working so hard to create financial security.
That’s why, at moments like this, experience matters. This isn’t the time to rely on guesswork, entertain opinions from a rookie, worry about receiving a sales pitch, or get swept up with conflicting advice. It’s a time for steady, informed guidance, grounded in real planning and careful decision-making, so you can approach retirement with clarity instead of uncertainty.
We Make Retirement Clear
Your FinancialTeam brings clarity to the questions that keep many retirees up at night.
Make Your Money Last A Lifetime
Retirement is not just about a number in an account. It is about turning your savings into a steady retirement paycheck that can support the life you want over decades, through different markets and stages of life.
- Stress test your plan against market swings, inflation, and longer lifespans.
- Map essential and discretionary expenses to a realistic spending plan.
- Blend income from IRAs, taxable accounts, pensions, and cash reserves into one coordinated, tax-efficient retirement paycheck.
- Adjust withdrawal strategies over time so your plan remains sustainable as life and markets change.
How the FirsTrust Retirement Process Works
No sales pitch. No fine print. Just a sensible process led by an experienced FinancialTeam dedicated to helping you retire on purpose, not by accident.
Clarify Your Retirement Picture
Start with a clear view of where you are and what you want life after work to look like.
- Define what retirement really means for you and your family
- Gather, organize and understand your accounts, income sources, and key documents
- Outline timing, lifestyle goals, and non-negotiables
Build Your Customized Retirement Plan
Turn that picture into an actionable plan that connects your goals with your investments and risk comfort.
- Model different retirement ages and spending levels
- Agree on a target path that looks and feels realistic and sustainable
Engineer Tax-Wise Income And Investment Strategies
Design how your portfolio and withdrawals work together to fund your retirement, after taxes.
- Coordinate income from all sources and optimize withdrawals for tax effectiveness.
- Continually look for opportunities to reduce tax drag over time.
Monitor, Adjust, and Support Over Time
Ongoing monitoring and frequent collaboration give us the flexibility to do everything from fine-tuning small details to making full course corrections, keeping you confidently on track as your life evolves.
- Review your plan and portfolio regularly
- Adjust for life changes, markets, tax law, or new goals
- Keep your Personal Financial Website and documents up to date
Learn more about our services
Comprehensive Financial Planning
Holistic financial and retirement planning.
Trust & Estate Planning
Protection, growth and tax efficient transfer of your estate.
Investment Management
Customized tax-wise investment portfolio management.
Strategic Tax Planning
Ongoing analysis of your complete financial profile.
Family Office
A dedicated staff of FinancialTeam experts to run your family’s finances.
Retirement FAQs
There’s no accurate rule-of-thumb or magic number. FirsTrust builds a personalized retirement plan that considers your lifestyle, fixed and flexible expenses, pensions, Social Security, healthcare, and legacy goals. From there, your FinancialTeam can project different scenarios to see what’s sustainable for you.
No. Many people first seek help in their 60s or after they’ve already stopped working. Your FinancialTeam can still help organize accounts, design a tax-wise withdrawal strategy, and align investments and estate documents with your current reality.
It's an important decision that we can help you make with confidence. Claiming too early or too late can significantly affect your lifetime income and tax picture. FirsTrust incorporates Social Security into your broader retirement plan—running comparisons of different claiming ages in the context of your savings, longevity assumptions, and tax profile.
Yes. Healthcare and potential long-term care needs are built into your retirement projections. Your FinancialTeam helps estimate costs, evaluate coverage options, and test how different scenarios might affect your income and legacy over time.
Want more details?
Call, email, or meet with a member of our FinancialTeam.