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Retirement Planning

Financial independence during retirement is a goal that many desire but rarely plan for adequately. We estimate what you need to meet your desired lifestyle at retirement by evaluating all company-sponsored retirement plans, individual retirement plans, savings accounts, and other sources of income. Then, an effective, step-by-step plan is developed, taking advantage of current tax laws and suitable investment vehicles. Creating a plan will help set the stage for a happy and secure retirement.

Five Essential Steps on the Road to Retirement

  1. Define Your Goals and Objectives
  2. Determine Your Risk Tolerance and Time Horizon
  3. Clarify Your Investment Situation
  4. Implement an Appropriate Investment Plan
  5. Execute and Periodically Review the Plan

Establishing your retirement plan through Maxima Wealth Management means maximum investment flexibility. You have the ability to select and then reposition your portfolio holdings to satisfy ever-changing personal and economic conditions.

Our selection of self-directed retirement accounts includes:

Traditional Individual Retirement Accounts (IRA) – An account established and funded by individual contributions or an individual retirement plan transferred from another financial institution.

Rollover IRA – A retirement account funded by distributions received from an employer’s qualified pension or profit-sharing plan upon termination of employment.

ROTH IRA – A Roth IRA is an individual retirement plan that bears many similarities to the traditional IRA, but the contributions are not tax deductible and qualified distributions are tax free.

SEP-IRA – A retirement account established and funded by employer contributions.

Individual 401(k) – A unique 401(k) plan because it only covers the business owner(s) and their spouse(s). This plan can receive the same tax benefits as in a general 401(k) plan, but without the employer being subject to the complexities of ERISA.

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