Retirement Planning

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Everyone looks forward to retirement.
It’s important that your vision and years of planning your retirement happen on schedule. But having a nest egg doesn’t mean you’re completely ready. To help ensure that you enter the next phase of your life with confidence, pre-retirement planning and ongoing support in retirement are critical. At Mills Barrington Advisors, we help our clients enter and enjoy retirement with peace of mind. The main steps in this process include:

Budgeting For Retirement

What size “paycheck” will you need each month to support your desired standard of living in retirement? You’ll need to factor in your standard of living expenses, as well as travel, new cars, and gifts just to mention a few. Be conservative in your estimates and always consider the impact of inflation.

Assess Your Risk Number

Using the proprietary Nitrogen® Risk Questionaire, your Risk Number® is generated and allows us to see how you’re currently invested vs. how it might look if you invested differently according to your Risk Number®.

Creating a Retirement Portfolio

A properly structured retirement portfolio should always contain the appropriate balance of investments for growth, income, and capital preservation. Using your Nitrogen® Risk Number ®, Mills Barrington Advisors will customize a retirement investment portfolio that aligns with your individual Risk Number® and goals.

Creating a Retirement Portfolio

Final Investment Proposal and Implementation

We create an Investment Policy Statement (IPS) that incorporates your goals, assumptions, and Risk Number®. We will facilitate the account set-up process to ensure a smooth transition of funds and implementation of your plan.

Review and Ongoing Service

We prefer to meet with our clients face-to-face at least twice a year, or more often if necessary to review your circumstances, investment landscape, and portfolio progress. We call with monthly “check-ins” to see how things are going and if there is anything you need, or that we can do.

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