Retirement


Retirement planning consists of two important phases, the accumulation phase and the distribution phase.  At Heritage Financial we specialize in both phases of retirement planning.

In the accumulation phase of your retirement plan you are building your nest egg through investments in IRA, 401(k) and pension accounts, investments in real estate and through general savings.  At Heritage Financial our advisors work with you to develop an asset accumulation plan tailored to your personal investment philosophy and risk tolerance.

In the distribution phase of your retirement, emphasis shifts from asset accumulation to income.  For most retirees there are two primary concerns.  The first concern is having enough income to fund the retirement that they have worked so hard for.  The second concern is not running out of money before the end of retirement.  At Heritage Financial we offer several income plans to help fund your retirement.

Regardless of which phase of retirement planning you find yourself in, let the professionals at Heritage Financial help craft a plan to meet your specific planning needs.

Retirement

 

Securities and advisory services offered through LPL Financial (LPL), Member FINRA/SIPC, a Registered Investment Advisor. Heritage Financial, LPL and all entities herein are separate and unrelated companies. The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: CA, CO.  See “Home Page” for full disclosure statement.