SERVICES
Retirement and Legacy Planning
We believe the question is not whether you can retire but whether your money will las as long as you do and what you want it to mean when it is gone.
A Plan That Answers the Question You Are Really Asking
Some people approaching retirement carry a quiet fear they rarely say out loud: what if I run out of money? It is a reasonable concern. In our experience, preparing for retirement often requires a different planning approach than accumulating wealth, especially when the goal is to support income over a long retirement.
At Financial Guidance Group, we address that fear directly. We build a comprehensive retirement income plan that we believe shows you, in clear visual terms, how your income sources, assets, and expenses are projected to hold up over the full arc of your retirement. You will see a thirty-year picture of your financial situation, we hope this helps you make decisions with confidence instead of guesswork.
Retirement Planning Is a Process, Not a Product
Some financial services firms focus on selling a product. We focus on building a plan. We feel there is a meaningful difference. In our opinion a product satisfies a narrow need. We believe a plan addresses the full complexity of your financial life, covering income, taxes, investments, insurance, estate, and legacy, in a coordinated way that reflects your specific goals and situation.
Our retirement planning process covers:
Income Planning
We work with you to identify every income source available in retirement, including Social Security, pensions, investment accounts, part-time work, and rental income, and try to determine the most efficient and effective way to draw from each. We identify your potential income gap: the difference between what you need each month and what your guaranteed sources will provide. Then we build a plan to help fill it.
Expense Analysis
We analyze your current and projected future expenses, including healthcare costs, which can rise significantly in later retirement years. We believe a realistic expense picture is essential to a retirement plan that actually holds together.
Beneficiary and Estate Review
We review your beneficiary designations across all accounts and insurance policies. In our experience, beneficiary designations can be overlooked as life and family circumstances change. We also review your will, trust structures, and estate plan to ensure they reflect your current wishes and are coordinated with your financial plan.
Tax-Efficient Distribution Strategy
In our experience, withdrawing from retirement accounts in the wrong sequence or amounts may create avoidable tax consequences that can reduce the income available over time. As a CPA, CFP, and CFS, William R. Henzey brings a tax-informed perspective to every distribution strategy we design, a combination of credentials few advisors can offer.
Multi-Generational Wealth Planning
For clients who want their financial legacy to extend beyond their own lifetime, we try to help you plan for the transfer of wealth to your family or the causes you care about. We work to structure assets in ways that minimize the tax burden on those you leave behind and reflect the values you want your legacy to represent.
Legacy: More Than an Estate Plan
In our experience, there comes a time in some people's lives when the question shifts from "how much will I have?" to "what will I leave behind?" We believe legacy planning is about deciding intentionally, not by default, what your resources mean when you are no longer here to direct them.
Our goal is to help you clarify your legacy priorities: who you want to benefit, what causes matter to you, and how your time, talent, and resources can be directed toward those ends while you are still living. Then we try to structure the financial components of your estate to support that vision as efficiently as possible.
The 30-Year Projection: Seeing Your Full Retirement Picture
We believe one of the most powerful tools we provide is a thirty-year projection of your income, assets, and expenses. Some people have never seen this. In our experience, when you do, the decisions you need to make could become clearer and the anxiety around retirement can start to lift.
What Our Retirement Planning Services Include
- Complimentary initial assessment of your current financial position before you make any commitments
- A 30-year income projection that shows you how your money is positioned to last
- Comprehensive planning that integrates income, tax, investment, insurance, and estate in a single coordinated process
- Beneficiary and estate review included as part of your planning process
- Tax-informed strategy led by a CPA, CFP, and CFS
- Questions answered typically within one business day
- Annual face-to-face review to keep your plan current as your life evolves
The Credentials Behind Your Retirement Plan
Your retirement plan is led by William R. Henzey, whose credentials span investment advisory, tax planning, and fund specialization:
CPA
Certified Public Accountant
CFP
Certified Financial Planner
CFS
Certified Fund Specialist
The CPA designation is particularly significant in retirement planning, where the interaction between investment withdrawals, Social Security timing, and tax liability can determine how much of your own money you actually keep. Having a planner who understands both the investment and the tax sides of the equation is a genuine advantage.
Start with a Complimentary Assessment
The first step is a complimentary review of your current investments and financial position. We will tell you honestly where we believe you stand and what, if anything, needs to change.
Receive Your Complimentary Assessment
Complimentary • Get a response within 1 business day
"*" indicates required fields
Terms of Service
By entering your email you agree to receive personalized Financial Guidance Investment Advisers, Inc. information from time to time. You may unsubscribe at anytime.
ACCEPTANCE OF TERMS OF SERVICE Financial Guidance Investment Advisers, Inc. (“FGIA” "we" or “us” or “our”) owns and operates the website, https://www.fgg.net/, the mobile and touch versions and any sites we have now or in the future that reference these Terms of Service (collectively, "Site"). By using the Site and Financial Guidance Investment Advisers, Inc. services through the Site, you agree to these Terms of Service (defined below) and any additional terms applicable to certain programs in which you may elect to participate. You also agree to our Privacy Statement, located at: https://www.fgg.net/, and acknowledge that you will regularly visit the Terms of Service (defined below) to familiarize yourself with any updates. The Privacy Statement, together with these Terms of Service, and any other terms contained herein or incorporated herein by reference, are collectively referred to as the "Terms of Service." The term "using" also includes any person or entity that accesses or uses the Site with crawlers, robots, data mining or extraction tools or any other functionality. IF YOU DO NOT AGREE TO THESE TERMS OF SERVICE, PLEASE DO NOT USE THE SITE.