.png)
Preparing for Retirement
Can I Afford to Retire?
It is one of the most important financial questions you may ever ask.
Retirement is not simply about reaching a certain age or accumulating a certain account balance. It is about understanding whether the resources you have built can support the life you want to live — potentially for decades.
Brick & Kyle helps individuals approaching retirement bring the different pieces of their financial lives together and develop a clearer picture of what may be possible.
As Retirement Gets Closer
Experience That Goes Beyond the Markets
The years immediately before retirement can bring a different set of financial questions.
These questions are connected. Brick & Kyle’s approach is designed to consider them together rather than treating each decision in isolation.
You may begin asking:
-
When can I realistically retire?
-
How much income will I need?
-
Will my savings and investments last?
-
When should I begin Social Security?
-
How should I handle my pension or retirement-plan assets?
-
Should my investment strategy change?
-
How do taxes affect the decisions I am making?
Retirement Planning Starts With Knowing Where You Stand
Bringing Your Financial Life Together.
Preparing for retirement requires looking beyond the value of an investment account.
The objective is to develop a clearer understanding of what your resources may need to accomplish once employment income ends.
Brick & Kyle considers the different financial resources and obligations that may influence retirement, including:
-
Investment and retirement accounts
-
401(k) assets and potential rollovers
-
Pension benefits
-
Social Security
-
Expected retirement income
-
Living expenses
-
Existing debt
-
Tax considerations
-
Estate-planning considerations
-
Insurance needs
.png)
Brick & Kyle has been using long-term retirement projections as part of its planning approach for decades.
Its original Personal Retirement Profile (PRP) was developed to examine approximately 30 years of retirement and consider factors such as retirement income, Social Security, projected expenses, asset growth, inflation, taxes and debt.
While tools and financial circumstances have evolved, the underlying principle remains important:
Retirement planning should look well beyond the day you stop working.
Today, Brick & Kyle continues to use comprehensive retirement projections to help clients evaluate how their financial resources may support the years ahead.
.png)
For much of your working life, investing is primarily about accumulating assets.
As retirement approaches, the question begins to change:
How will those assets help support me when my paycheck stops?
Brick & Kyle considers investment management within the broader retirement picture — including income needs, risk tolerance, time horizon, Social Security, pensions and expected portfolio withdrawals.
The goal is to determine an investment strategy that reflects both the income you may need today and the financial needs that could continue many years into retirement.
You Don't Have to Have Everything Figured Out
Start With Where You Are Today.
Many people approaching retirement are uncertain whether they have accumulated enough, how their different financial resources fit together or when they should actually make the transition.
That is exactly why the conversation matters.
Brick & Kyle begins by understanding your circumstances, your goals and the questions that are most important to you.
From there, we can begin developing a clearer picture of what retirement may look like.
Straight answers to straight questions.