Financial Planning

Retirement Planning

Have a question about retirement planning?

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Envision your retirement. It’s a time to do all the things you love and creating the right financial plan will ensure you enjoy the life you deserve. Explore how we can help you reach the retirement plans you envision or preserve the retirement that you’re already in for years to come.

Building the Retirement You Envision

Everyone has unique aspirations for their retirement. Our retirement planners start every relationship by making sure we have a clear understanding of your goals. Your goals become our foundation for your tailored financial plan.

Generating a Retirement Income

One of the biggest challenges most people face in retirement is generating the regular income they need and preserving those savings for the rest of their lives. Our advisors can help with this process so you’re better prepared to face any surprising expenses during retirement.

Determining a Sustainable Distribution Rate

It’s important to determine the percentage of your portfolio that you are going to draw from each year in retirement, so you can plan your lifestyle accordingly. We look at your fixed income sources, review your assets and investments, determine how much you’re spending now and project how much you’ll be spending come retirement age. Our financial planners calculate your distribution rate, while factoring taxes and inflation.

Choosing a Social Security and Pension Payout Strategy

There are several combinations of strategies for taking your Social Security benefit and creating a pension plan based on your pre-retirement income. Adhering to your situation, we will lay out various scenarios, so you can learn how to get the most value from your retirement benefits.

1502 West Ave

Austin

TX 78701

512.638.9499

scottc@austinfirstfinancial.com

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Insurance products are offered through the insurance business Austin First Financial. Austin First Financial is an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Austin First Financial are not subject to Investment Advisor requirements.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.

Any references to protection benefits, safety, security, steady and reliable income, or lifetime income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

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“Best Of” is an annual survey conducted by Austin American Statesman. The winner is chosen by an online vote of the general public and no specific criteria is utilized to determine the winner. The majority of voters may not be clients of Austin First Financial. The designation is not representative of any one client’s experience and is not indicative of future performance.

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 1,204 Austin area wealth managers were considered for the award; 178 (15 percent of candidates) were named 2019 Five Star Wealth Managers. 2018: 1,102 considered, 161 winners; 2017: 1,431 considered, 207 winners; 2016: 1,283 considered, 351 winners; 2015: 1,968 considered, 374 winners; 2014: 2794 considered, 357 winners; 2013: 2,254 considered, 399 winners; 2012: 1,673 considered, 392 winners. Winners appearing on this page do not pay a fee to be considered or to win the Five Star Award. Professionals with a digital profile have paid a promotional fee.

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