You should understand where different scenarios and choices may lead. One of the best ways to gain that understanding is to work with an independent and experienced federal retirement planning professional who understands and can explain your federal benefits to you.

Start by looking for a federal retirement planning consultant in Newark. You want to find someone who actively serves your community and is willing and eager to answer your questions. At SafeMoney.com, we work with independent federal benefits experts serving Newark, Livingston, Chatham, Morristown, Orange, Bloomfield, Little Falls, Kearny, Jersey City, and the surrounding areas.

If you want to find someone who can answer your questions about what your benefits look like now and what they will look like at your planned separation of service, our financial professionals can help. We understand your options for retirement and the typical benefits mistakes that so many make. Our independent experts can also help you with technical questions like the cost of a survivor benefit, how to generate reliable income from your TSP, and how changes in your life can impact your benefits.

We can help with these questions and more. Usually, we can cover your first round of federal retirement benefits planning questions in an hour or so.

Call us at 877.476.9723, and we will connect you to a SafeMoney.com independent financial strategist for an initial consultation. They will do a comprehensive federal benefits analysis report for you. This report will help you identify gaps in your benefits and ways to cover those gaps.

Both the report and the meeting are free and without obligation. You can expect to leave with a better understanding of your federal benefits and the best options for you. Contact us today to request your benefits walkthrough.

Mandatory Federal Benefits Education for All Federal Employees

There is no standardized system for training U.S. Government employees for retirement benefits. Think about what may have happened when you tried to get your training. Perhaps you went through a hurried HR-type orientation and were given an 800 number (with startlingly long waits) to call with your inevitable questions.

Your benefits are your future. They affect the long-term financial well-being of your family and, of course, you personally. Virtually universal lack of understanding by U.S. Government employees about their hard-earned benefits isn’t acceptable or wise. You deserve to understand your benefits, your different options, and how various life changes and other situations can affect your potential benefits. Not only do you deserve understanding, but you also require it.

Contact us when you are ready for help with your federal retirement benefits planning. Our SafeMoney.com financial professionals have served many U.S. Government employees throughout the United States. We will prepare a federal retirement planning guide for you that will answer your questions. We will also provide you with a free, personalized federal benefits analysis so that you can envision and shape your future 10, 20, or even 30 years from now, regardless of where you are in your federal career.

What Can a Federal Retirement Planning Consultant Do for You?

The federal employee benefits you have earned depend, in the first instance, on the retirement system to which you belong: CSRS or FERS. Most federal employees (90+%) today participate in FERS, but some long-time federal government employees still fall under CSRS.

Some federal government roles, such as certain law-enforcement positions, have unique situations, such as that your benefits may be calculated uniquely. We can help you in these situations as well.

Whether you are a new federal hire or a long-time GS/GM-level employee, searching for information on your federal benefits may have been an extreme experience. Tons of information is available online, but it can be all over the place. What’s more, like all federal government documents, the information can be challenging to understand and may be one-size-fits-all — hardly an excellent response to your personal retirement questions.

You need this benefits information customized to your situation to make well-informed financial decisions for your and your family’s future. Instead of settling for some boilerplate, good-for-everyone guidance that isn’t focused on you, consider working with someone who can answer your precise questions about your exact benefits. A SafeMoney.com financial professional can guide you through your specific available benefits choices and provide you with calculations for what they look like now and in the future. They will also demonstrate options to maximize those potential benefits.

When you contact SafeMoney.com, we will connect you with someone who can answer your most challenging questions and more. They will also provide you with your free, no-obligation, personal, integrated federal benefits analysis.

What’s In a Personalized Federal Benefits Analysis?

Your federal benefits consultant will cover these different aspects of your federal retirement planning picture:

• Calculations of your federal employee benefits
• Present and future pension computations
• TSP, FEGLI & Social Security projections
• A reasonable figure for how much money you will have each month when you retire
• An understanding of your survivor benefits and life insurance coverage information
• Different timing options for you to retire based on your benefits and income, and their income on your future

Your federal employee benefits consultant can answer your questions when you receive your report. They can also answer questions about military buyback, sick leave, and CSRS offsets.

Get Clarity on Your Benefits and Federal Retirement Planning Questions Today!

Our primary goal at SafeMoney.com is to help you understand your federal retirement benefits and how everything comes together. We can get you all the information you need to make well-informed decisions about your hard-earned benefits in as little as an hour. All at no obligation to you.

You can request your free integrated federal benefits analysis and report via the form on this page or by phone. Call us today at 877.476.9723, and we will connect you to a SafeMoney.com independent federal retirement planner serving the Newark, New Jersey, area.

Over many years, our SafeMoney.com team has helped tens of thousands of households learn and plan for a successful and happy retirement. If you are looking for an explanation of the myriad options for your benefits and your financial future, please reach out to us at any time.

Give us a call. We will show you how personalized service can make a significant difference in your retirement strategy. We look forward to serving you!

The post Federal Retirement Planning – Newark, NJ first appeared on SafeMoney.com.

The post Federal Retirement Planning – Newark, NJ appeared first on SafeMoney.com.

At SafeMoney.com, we have independent financial professionals serving all 50 states. Cherry Hill, Haddonfield, Morristown, Moorestown, Marlton, Medford, Mount Laurel, Voorhees, Collingswood, and the surrounding areas are among the communities that we serve.

If you would like to explore working with an independent financial professional for retirement planning, or you have questions about your current situation, give us a call at 877.476.9723. Our core team has 85+ years of combined experience, and we have served 10,000+ households with their retirement and financial goals throughout the United States.

You can meet at no obligation with someone who will take the time to listen to your goals, needs, situation, and concerns. Then, they will run a personalized retirement report containing various guaranteed retirement strategies to maximize your retirement income and make your money work for you.

What to Keep in Mind When Looking for Retirement Planning Services

Ask your Cherry Hill financial professional about strategies that can pay you dependable ongoing income. If you are looking for someone to guide you through your ‘retirement what-ifs’ and help you find more confidence for your financial future, we can help.

At SafeMoney.com we have worked with financial professionals nationwide to help place billions of dollars into personalized retirement and income strategies. You will receive a free, personalized retirement report specific to your situation.

This customized report will include top lifetime income-paying strategies, backed by guaranteed retirement annuities, pulled from 2,400+ options in the marketplace.

What Should You Expect from an Experienced Retirement Planning Focused Firm?

There are many factors that influence a well-constructed retirement plan. You can also fine-tune your plan at any point, even if you are already in retirement. An experienced firm will take all of these things into account when developing your personalized strategy:

• Your age
• Your desired retirement age
• The total value of your wealth and assets
• Your portfolio allocation
• Tax implications for all your accounts
• Whether or not you are planning alongside a spouse or partner
• Your desired retirement lifestyle
• Your retirement income goals
• Your level of risk tolerance
• How much liquidity you should have
• Your investment time-frame

What Do Retirement Planning Services Usually Include?

The top focus for your retirement should be maximizing your income. Your SafeMoney.com financial professional will help you maximize your income and secure your lifestyle.

Some of the various retirement planning services that you can find with a SafeMoney.com financial professional or other retirement-focused firms include:

• Retirement income planning
• Retirement investments
• Social Security benefits
• Tax strategies
• Insurance or Medicare coverage
• Healthcare and long-term care
• Senior care planning
• Legacy or wealth transfer strategies

Before settling on a particular retirement planning professional, make sure you choose a firm that is in alignment with your personal goals, and one which has a good reputation.

Independent vs. Captive Professionals

Captive financial professionals work for a specific company and promote only products from that company. They can sometimes represent national corporations and may not operate locally.

Independent financial professionals are not beholden to a single corporation or its offerings. Instead, they will help you shop around with multiple companies and choose the best products to meet your personal financial goals. The diversity and versatility of their options will give you a much better selection than a single captive company’s offerings.

Cherry Hill Retirement Planning Services

Here are some important things to consider before selecting a local Cherry Hill financial professional:

• What do they do in this community?
• How long have they been in business?
• What are their credentials and other proof of experience?
• Are they a part of any organizations or affiliations?

You may also want to create a list of questions about your specific situation and have them on hand when you speak to your chosen retirement planning services professional.

Finding the Right Retirement Planning Services for Your Situation

If you are looking for a retirement planning services provider for your financial well-being, we invite you to see how our team can help you accomplish your goals. We are experts in financial strategies that have strong and sturdy guarantees behind them, bringing peace of mind and financial confidence.

SafeMoney.com has been featured on major outlets including CNN, Fox Business, CNBC, U.S. News Money, MSNBC, and others. Tens of thousands of retirement savers visit our websites each year for retirement and financial information.

Get started by requesting a complimentary goal-setting appointment to discuss your situation, request your personalized and free retirement report, or call us at 877.476.9723. We look forward to serving you.

The post Retirement Planning Services – Cherry Hill, NJ first appeared on SafeMoney.com.

The post Retirement Planning Services – Cherry Hill, NJ appeared first on SafeMoney.com.

At SafeMoney.com we work with financial professionals who live and work in Haddonfield, Cherry Hill, Morristown, Moorestown, Marlton, Medford, Mount Laurel, Voorhees, Collingswood, and the surrounding areas.

If you want to know more about Haddonfield retirement planning services, or you have questions about your specific retirement plan, give us a call at 877.476.9723.

We will connect you with a financial professional who will run a free, personalized retirement report based on your specific needs. Your report will contain a variety of guaranteed income opportunities that will protect your money and help you achieve the best possible lifestyle during retirement.

Looking for Experienced Retirement Planning Services in Haddonfield?

Be certain that your retirement plan addresses your financial needs for at least thirty years or more. Among other things to reduce certainty for your financial future, ask your retirement planner about strategies that can pay you a guaranteed, stable income for life.

At SafeMoney.com, we proudly work with experienced, independent retirement planning professionals. They will discuss your needs, learn about your situation, and create a personalized retirement report for you.

This customized report is free and features top high-paying lifetime income products pulled from 2,400+ marketplace options. It will give you a customized overview of what is available and make it easy to explore your retirement income options.

What Should You Look for in Qualified Retirement Planning Services?

All good retirement plans must take many different factors into account. An experienced firm will consider all of the following:

• Your age now, and your projected retirement age
• The value of your wealth and assets, and their allocation
• How taxes will impact your accounts
• Your goals, as well as the goals of your spouse or partner
• The lifestyle you wish to have while you are retired
• Your ongoing retirement income needs
• How much risk you are willing to tolerate
• The level of liquidity you need
• The time frame for your investments

What Do Retirement Planning Services Usually Include?

Your financial professional will offer a number of services designed to maximize your income, and help you secure the lifestyle you want during retirement.

Some of the retirement planning services that you might encounter (and many that independent financial professionals with SafeMoney.com serving all 50 states offer) include:

• Retirement income planning
• Retirement investments
• Legacy and wealth transfer strategies
• Tax strategies
• Social Security benefits
• Insurance or Medicare coverage
• Healthcare and long-term care planning
• Senior care planning

At SafeMoney.com we can connect you with a reputable local firm in Haddonfield or the surrounding areas. Your financial professional will work with you to meet your specific retirement goals and answer any questions you may have.

This is only after learning 100% about your situation and what you hope to achieve.

Understanding Independent vs. Captive Retirement Financial Professionals

Captive financial professionals work for one company, and one company only. They often have a quota to meet and are only allowed to offer products from their company. In that sense, the guidance and the retirement products that they may draw upon can be quite limited.

In contrast, independent financial professionals aren’t controlled by a single financial company or just their offerings. Instead, they can recommend products from multiple companies to truly benefit their clients.

You might find a wider assortment of options from an independent practitioner. They can help you choose from among all of the top products available on the market, instead of just a few.

Haddonfield, NJ – Retirement Planning Services

You can also consider these things when choosing your financial professional:

• Are they active in Haddonfield, Cherry Hill, Morristown, or the surrounding areas?
• Do they have a good reputation in the community and good client reviews?
• How long have they been in business?
• Do they have the appropriate credentials?

You may want to write down a quick list of questions and concerns to ask your financial professional before you begin planning together. The fruits of your life’s work are in the equation here, so don’t be afraid to ask about anything that you don’t understand or want clarity on.

It’s Time to Find the Right Retirement Planning Services

If you are ready to take the next step in your retirement journey, we invite you to connect and let our team help you accomplish your goals. At SafeMoney.com, we are experts in creating financial strategies that create ongoing, predictable income for life. Our team can also help you discover other strategies that help bring more stability and certainty to your retirement plan.

Your retirement years should bring you peace of mind and financial confidence. We can help you achieve this.

SafeMoney.com has been featured on many major media outlets including CNN, Fox Business, CNBC, U.S. News Money, MSNBC, and more. We have personally helped over 10,000+ households plan for retirement and meet their unique financial goals. Each year, tens of thousands of retirement savers visit our websites for free retirement and financial information.

Give us a call at 877.476.9723 when you’re ready. You can also request a free goal-setting appointment, and ask about your free, customized retirement financial report.

The post Retirement Planning Services – Haddonfield, NJ first appeared on SafeMoney.com.

The post Retirement Planning Services – Haddonfield, NJ appeared first on SafeMoney.com.

Thanks to innovations in medicine and technology, retirement can go on for decades. Between that and various risks that can affect your financial picture, it’s good to have dependable income streams that will ‘stand the test of time.’

If you would like more financial peace of mind from income strategies backed by contractual guarantees, call us at 877.476.9723. Running out of money in retirement is a top concern for many people, as many surveys note, but the good news is it doesn’t have to be so for you.

We can prepare a personalized, free retirement report for you covering lifetime income strategies that last as long as you may need them. 

Request Your Free Retirement Income Planning Report

This report includes a breakdown of how much income you will receive per year, how much lifetime income you will be paid, what fees are involved (if any), and how different options stack up against one another.

Our core team has served 10,000+ households across the country. We serve Cherry Hill, Haddonfield, Moorestown, Marlton, Medford, Mount Laurel, Collingswood, and the surrounding areas. To prepare your report based on your goals and situation, we use software that draws from 2,400+ guaranteed annuity products in the marketplace.

You will receive top strategies that are based on your goals, needs, situation, and financial timelines. Contact us if you would like your own, free retirement report at no obligation.

Why You Need a Cherry Hill Retirement Income Planning Expert

But it’s not just that. Income planning also means navigating taxes, fees, investment risks, and inflation to ensure your income lasts for potentially decades.

These aren’t small choices to make about what to do with your savings, naturally. Before you begin making decisions which will impact the rest of your life, it’s prudent to speak to an experienced financial professional who specializes in retirement income planning.

They will be able to help you maximize your monthly income during your retirement years while minimizing what you might pay in taxes, fees, and more.

What Should You Look for in Your Income Planning Professional?

When looking for local retirement income planning guidance, you deserve someone who takes time to understand your situation. They should listen carefully to what you say and be committed to your retirement goals for the long haul.

Don’t be afraid to ask questions about what you don’t understand. The same goes for anything that you need to cover in more detail.

You will want to assess their credentials and expertise as a financial professional. How long have they been in the industry? What experience do they have in helping other clients through multiple market cycles?

Do you feel comfortable in your appointments and perceive that they are really taking the time to get to know you? You should also know whether they are an independent or captive financial professional.

These are questions surrounding life savings, so it’s important to find the right financial professional for your retirement income planning needs.

What Does Retirement Income Planning Entail?

Before you speak to a retirement income planner in Cherry Hill, it may help to get a rough idea of what your retirement income will need to be.

The core focus of any retirement plan is your monthly income. How much will you need each month to maintain your preferred lifestyle?

You may also want to take a look at your long-held goals: the bucket list of things that you wanted to do but put off until retirement. What is the price tag to complete those plans?

You can do this by breaking your projected retirement expenses down into three main areas:

• Monthly living costs (this includes housing costs, utilities, groceries, etc.)
• Lifestyle expenses (this includes your travel plans, hobbies, gifts, etc.)
• Infrequent / unexpected spending (this includes costs like a roof replacement, home appliance repairs or replacements, etc.)

Need some guidance on how to estimate these future costs? Your current income and spending patterns are good clue-ins of what your future lifestyle and spending needs might be.

Cherry Hill Retirement Planning – How to Make Your Money Last

Of course, this can vary depending on someone’s personal health status and their family’s medical history, but it’s better to overplan.

You don’t want to run out of money when you need it most. Retirement can last as long as one-third of someone’s life, and even Nobel prize-winning economists have called the risk of running out of money “the nastiest, hardest problem in finance.”

Creating a stable, decades-long income plan is difficult, and your plan will need to account for taxes as well as the ups-and-downs of the market over time.

Be sure that you pick a qualified professional to help you. Before you select a retirement income advisor, make sure to take a good look at their credentials, and the length of time they have been in business.

How Our Cherry Hill Independent Financial Professionals Work for You

Our Cherry Hill financial professionals are independent, meaning they aren’t beholden to one financial company. In contrast, captive financial professionals work for a single specific company.

Captive practitioners can only represent products from that parent company. Independent professionals may represent multiple companies, and offer a better selection of products when the time comes for you to choose.

Retirement is an opportunity for you to slow down and enjoy your preferred lifestyle. You have worked for years to reach this point. 

Request Your Personalized Retirement Income Planning Report Today

If you are looking for someone in Cherry Hill to help with your personal retirement income needs, contact us for your free retirement report or to request a no-obligation retirement goal-setting appointment.

SafeMoney.com has appeared on major outlets including CNBC, U.S. News Money, CNN, Fox Business, and others, reaching tens of millions of households. We look forward to seeing how we can help you and serve you well with your retirement goals.

The post Retirement Income Planning – Cherry Hill, NJ first appeared on SafeMoney.com.

The post Retirement Income Planning – Cherry Hill, NJ appeared first on SafeMoney.com.