Empire State Wealth Advisors Inc - RETIREMENT PLANNING

Retirement Planning Services | Confident, Future-Ready Planning

Plan for a comfortable retirement with customized strategies. Our experts guide you on savings, investments, and income planning for lifelong stability.

Planning Your Career Is Important—But Planning Your Life After Work Matters Even More

Long before retirement even hits our radars, we’re planning what type of education, skills training and professional designations we’ll acquire. We also spend a lot of time planning which industries are the best place to work in, and which employers to work for. Once employed, we carefully strategize our every career move, so that we progress to the top of the ladder in our respective fields.

Sadly though, while we focus most of our efforts on all these plans, we often forget to plan for “life after work”!

Retirement planning concept with documents, and couple meeting advisor

Why Retirement Planning is Important

Planning for retirement is one of the most essential elements of long-term financial security. Throughout your life, you work hard, build a career, and make decisions to create a better future for yourself and your family. A clear retirement strategy ensures your income, savings, and investments are aligned with your long-term goals—so you can enjoy financial freedom long after your working years are over.

Key retirement concerns that proper planning helps address:

Are you spending too much now? Overspending today can reduce the funds available for your future.
Are you saving enough—and saving consistently? Regular contributions are crucial to building retirement wealth.
Are your investments appropriate for your age and goals? Balancing growth and preservation becomes more important over time.
How much will you truly need in retirement? Calculating future expenses ensures you’re not under-prepared.
Will employer or government pensions be enough? Many individuals face a significant income gap without additional planning.

A well-prepared retirement minimizes financial stress and gives you confidence, stability, and peace of mind—so you can enjoy the future you’ve worked so hard to build.

WHAT WE CAN DO FOR YOU

For our clients, retirement planning doesn’t start at retirement. It starts much before! Our Retirement Planning service takes a long-term view of your financial wellbeing. We use a life-cycle approach to ensure your “Life after work” is as well-planned as your life prior to retirement.

Here’s what we do for you as part of our Retirement Planning service:

IMPLEMENTING THE PLAN

As you move closer to retirement, we’ll work closely with you to ensure the plans are implemented in a phased and orderly manner. The goal of our Retirement Planning approach is to make transitioning into retirement as seamless and stress-free as possible.

UNDERSTANDING YOUR GOALS

Through an intensely personalized approach, we understand what your retirement goals are.

ANALYZING WHERE YOU ARE AT

To plan a meaningful retirement, you need to know where you currently stand. We’ll help you build an in-depth financial inventory to use as part of our retirement planning process.

YOUR PERSONALIZED RETIREMENT PLANNING STRATEGY

Everything we do for you centers around four pillars - Helping you plan to achieve your financial goals prior to retirement; Planning to ensure you have sufficient income during retirement; Putting plans in place to safeguard your Nest Egg and yourself against potential catastrophes; Planning for your legacy.

SUPPORTING YOU MAKE DECISIONS ON PENSIONS AND BENEFITS

Our retirement planning professionals will be right there when you need them, with help and advice on pensions and benefits (Government or Employer): Whether to apply or not? When to apply? What to do with those funds…and much more.

LOOKING OUT FOR YOU IN RETIREMENT AND BEYOND

Our Retirement Planning service isn’t done yet – not by a long shot! To live a long and fulfilling retirement, you’ll need help with many other facets of your life – Health Care, Insurance, Charitable Giving and Legacy Planning. When you need our advice, our specialists will know exactly how to respond!.

ONGOING REVIEWS

Our Retirement Planning service ensures that we maintain a long and enduring relationship with you. We’ll continue to monitor and review your retirement plans, and consult with you frequently about any changes or updates needed to address your evolving retirement lifestyle needs.