Guidance for Retirees | Jones & Roth Retirement Planning

Living in Retirement

You Deserve to Thrive in Retirement

And you need a retirement plan that’s as unique as you are. Whether it’s traveling, spending time with loved ones, or exploring new passions, retirement offers endless possibilities. The Jones & Roth team is dedicated to helping you manage your income, plan for healthcare and long-term care needs, and navigate the key transitions that come with this exciting new phase—and we’ll be by your side throughout each step of your journey.

Frequently Asked Questions

Retirement is full of new possibilities, but it also brings up some important questions. Below are answers to some common questions we hear from clients living in retirement.

How can I help ensure my retirement income will last?
A balanced withdrawal strategy, diversification of investments, and possibly the use of annuities for consistent income can help your funds stretch over time. We’ll adjust your plan to accommodate your spending needs and market conditions.
How should I approach healthcare costs throughout retirement?
Consider exploring Medicare and supplemental insurance options. These, as well as setting up a health savings account (HSA) can help you prepare for and offset future expenses. Be sure to stay informed about changes to your coverage.
Should I move, downsize, or keep my current home?
This depends on a number of factors. If you want to free up equity or move to a more manageable home, downsizing might be a good option. Moving to a new location might be beneficial if you want to live in a more tax-friendly state or be closer to loved ones. We can help you assess your situation and options.
How can I plan for potential long-term care expenses?
Long-term care insurance, HSAs, or dedicated savings are all options you can consider. We can help you explore your options and develop personalized plans to help safeguard your financial well-being and legacy against future healthcare needs.

Support for Your Retirement Journey

Tailored financial guidance to help you optimize your income and options. Jones & Roth serves as a trusted guide, helping you navigate the complexities of retirement. We can help you design a personalized plan to manage income, optimize taxes, preserve your wealth, and ensure you can live every moment of retirement to the fullest.

Retirement Income Planning

We’ll help you develop a sustainable income strategy, drawing from multiple sources like pensions, Social Security, investments, and annuities, ensuring you can enjoy your retirement with greater confidence.

Retirement Planning

Even in retirement, planning remains essential. We can help you manage your lifestyle, monitor your income streams, and adjust to changing circumstances, creating as much certainty and clarity as we can for the years to come.

Tax Strategies

Our CFP® professionals work in close collaboration with our CPAs to deliver a comprehensive, tax-intelligent plan with tailored strategies to help you minimize tax liabilities in retirement.

Insurance Planning

Insurance needs change over time as your circumstances evolve. We work to help you protect your health, assets, and loved ones, making sure you’re prepared for unexpected events with appropriate coverage for your retirement years.

Legacy Planning

Jones & Roth works with you to plan and build a legacy that reflects your values, purpose, and priorities. Whether you want to pass assets to family, support a cause close to your heart, or simply ensure your wishes are carried out, we can help.

Business Succession Planning

For business owners in retirement, we can help you create a seamless succession plan that ensures your business continues to thrive, with strategies in place for leadership transition and asset protection.

The future you want starts here. Let’s make it happen.

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Our Approach

Our tax-intelligent strategies and collaborative approach guides you toward financial clarity, helping you make confident, informed decisions.

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Our Process

Our in-depth, no-pressure process enables us to create a customized financial plan that aligns with your goals and helps you pursue long-term success.