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Time to Rethink Your Retirement Goals?

Time to Rethink Your Retirement Goals?

| April 22, 2021
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Optimize Your 401(k) to Strengthen Your Financial Future

Calming Retirement Fears

Retirement is a big deal, much like a marriage, or having children as well as similar life events. Making the decision is often difficult as so much of our social fabric is entwined with whom we collaborate. There are internal factors including one’s health and mental fortitude to keep up the grind(with a bit less energy) versus environmental factors outside our control: volatility in the financial sector, inflation, medical debt, and unforeseen circumstances. The bottom line usually rests on one key ingredient: will I run out of money?
Planning for retirement should begin as early as financially possible. Unless you have chosen a profession within the civil services, pensions are a long-forgotten relic of a previous era and a well-managed 401k plan can set you apart with stability within retirement. 

Ask The Expert

Robert Wroblewski Jr., Business Development Manager at Treece Financial Group, answers the question of what a person do to to make sure they won’t run out of money during retirement. 
There are a few ways to determine if you have enough assets to retire. We utilize a state-of-the-art financial planning program to crunch a client’s numbers that then provides us a big picture overview.  By calculating the balances in aperson’s current portfolio, their saving habits, theirSocial Security benefits, we can determine an approximate monthly income in retirement.” Robert states.We also make some assumptions which we can tweak about rates of return before and after retirement, inflation rates, etc. We produce a report which includes what if scenarios so a client can get an idea if they are on track financially or what adjustments you should make to get on track.

The 401(k) Optimizer®

401(k) Optimizer® is a web-based financial planning tool that can help you optimize your employer-sponsored retirement investments(401(k) funds(including 401(k) 403(b) and 457 plans). The program focuses on analyzing your risk tolerance and recommending how to best allocate your funds based on your long-term goals. The Optimizer was created by top-ranked Howard Capital Management, an SEC-Registered Investment Advisor Firm based in Roswell Georgia and one of the money managers we work with here at Treece Financial Group.
 The platform is easy to navigate and allows end-users to connect directly with their financial institution. Other features include: 
  • Quarterly Recommendations based on your risk assessment and financial goals. Considering most account holders rarely do an annual reallocation of their existing funds, this 3 month snapshot will allow you to make more accurate decisions. 

  • HCM-BuyLine® a proprietary mathematical algorithm that monitors market trends and alerts investors when it is time to move investments to safety.

  • The HCM Optimized Trend Indicator® is another advanced tool designed to help you analyze stocks to best determine whether to buy or sell. 
Treece Financial Group offers complimentary access to this convenient planning tool as part of our FiscaleFit program to keep you informed and educated. To create your account, simply schedule a consult with us.
Are you rethinking the ways in which you should be investing? If you’re not, now is the perfect time to do a check-up on your current strategy and goals. We’re here to help when you are ready.
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