in·spi·ra·tion: the process of being mentally stimulated to do or feel something, especially to do something creative.
At Spiritus, we develop retirement plans that will inspire and feed your soul.
At Spiritus, we specialize in retirement planning. Our goal is to design a retirement plan that provides you the peace of mind you deserve. Our retirement plans are custom-tailored to you, your long-term goals, and your core values. And since we work in a fiduciary capacity, we always put your best interests first, period.
After a lifetime of working, saving and investing for your retirement, you want this major life transition to be a success. Your financial focus up until this point has been on accumulation – and now the income distribution phase of your retirement planning begins.
Tax-Efficient Withdrawal Strategies - We combine our retirement planning knowledge and strong tax planning background to develop a customized retirement income strategy that is tax savvy. By understanding and utilizing the tax code to your advantage, we have the ability to consistently add value to our client’s investment portfolios by using tax efficient withdrawals in retirement.
Social Security Planning - When and how to claim your Social Security benefits is one of the most crucial decisions you will need to make. Using the latest research available, and with the help of our financial planning software, we’ll model your options until we come up with the optimal strategy that fits your needs and long-term goals.
Lump Sum Payout or Lifetime Annuity - If you’ve been covered by a qualified pension plan at work, you’ll most likely need to make a choice of taking a lump-sum payout or choosing a lifetime annuity. This decision requires thoughtful and professional analysis that weighs the pros and cons of each option. When the time comes to make that decision, we will help you determine the best option.
