对于一些, imagining retirement describes a time where they’re able to spend more time with their grandchildren all the while comfortably living out the rest of their golden years. 对其他人来说，这可能意味着环游世界，在海滩上拥有第二个家. 一般来说，如果你能想象你的退休生活，你就能做好计划. 你开始考虑退休了吗? 对于beplay2的许多新客户来说，退休似乎是一辈子的事. While planning for retirement early on can give you a better chance towards achieving the retirement of your dreams, 什么时候开始为退休制定一个财务计划都不晚. 不管你离退休还有40年还是1年, we work hard to take the guesswork out of your retirement planning so that you’re able to retire sooner rather than later. 无论你是小企业主还是为公司工作，beplay2都会为你提供保障. Our top-rated independent financial planners will work with you to understand your unique needs and devise customized retirement planning solutions for your circumstances and objectives.
Retirement planning involves a lot more than simply crunching numbers and the most successful financial plan is one that can make your dreams a reality. 统筹考虑退休计划时，应考虑以下问题, “我要去哪儿??以及“我的目标是什么??而不是立即描述你能承受或不能承受的东西. 一旦beplay2知道了你想要什么样的退休生活, beplay2可以开始更准确地了解财务方面的考虑，比如你未来的生活费用. 通过了解你的生活费用在退休后和现在的对比, we can go on to build a more precise roadmap that plans out the exact steps you need to take today in order to live comfortably in the future.
当涉及到制定退休计划时, it is important to budget your future living expenses based on the kind of lifestyle that you will want to enjoy. 毕竟, it’s only when you know what your big-picture looks like that you can find out the answer to whether you will have enough saved in time for retirement. Knowing what you want out of retirement also helps us with calculating the amount of discretionary income that you will need to have saved in order to reach your goals. 可自由支配收入评估的是在支付了所有必需品之后，你还剩下多少收入. 一旦你的必需品付款后, your discretionary income will help you to fill the gap towards living the comfortable lifestyle you always imagined having in retirement. 然而, it is important to note that planning for discretionary income is an added amount to the money you will need to put aside both for taxes in retirement as well as your fixed living expenses such as housing, 食物, 服装, 和卫生保健. 通过思考你想要享受什么样的生活方式, you can plan for any and all leisure time including any activities that you may be interested in once you’ve finally retired.
一旦你知道你的生活费用是多少, planning for retirement makes sure that you will be able to live comfortably while enjoying the lifestyle that you have in mind for yourself. 为了更好地了解你需要为退休存多少钱, 你可以使用25法则. 要使用这个方法，计算一下你退休后每年打算花多少钱. Multiply this number by 25 and you will get the amount of money that you will need to have saved in your retirement account(s) comes retirement. 仍然, 虽然这是一个很好的经验法则, there are always other factors in play when it comes to estimating exactly how much you will need to have set aside for retirement. 其中一些因素可能是较长的预期寿命, 意想不到的医疗需求, 纳税义务, 以及许多其他的考虑.
当时机成熟时, 把你的退休储蓄变成稳定的收入流是一项艰巨的任务. 即使你有一个适当的预算和了解你的退休收入将从哪里来, 不断上涨的成本和意想不到的开支都会阻碍你在预定日期退休. 然而, we help you determine exactly how to translate your hard-earned retirement investments into income as well as providing you with a smart Social Security filing strategy in order to fully replace your income in retirement. 当涉及到组织一个准确的退休收入预测时, 首先，beplay2要仔细看看你的雇主资助的退休计划. 首先要了解你的工作场所的好处, 然后beplay2可以仔细查看你的任何外部投资账户. 通过全面查看所有的退休账户和其他投资账户, we can determine what will be the best way to have both your personal and professional assets work together in tandem in order to provide for your income come retirement.
收入差距是beplay2一直在寻求的解决退休问题的方法. 通常, this gap shows itself between the time our clients stop working and when they plan on collecting social security. 其他时间, it can stem simply between the amount of fixed income you are set to receive from things such as social security and the amount of income you will need in order to maintain the lifestyle you want in retirement. 寿命延长和医疗成本上升都可能加剧超出预期的收入差距. 然而, many of our projections rely on having a better knowledge of your net worth (the total amount of your assets minus any liabilities). This allows us to understand the amount of money that you have versus the amount you will need in order to bridge any possible income gap when retirement finally knocks on your door. Even simply creating a budget on your own and putting together a statement of your net worth can make a huge difference towards answering questions around whether you will have enough money saved to retire at your target date.
总的来说，beplay2总是希望首先对你的目标和生活方式有一个更好的了解. 知道你想要什么样的生活方式在退休后, we then take a look at your current financial state and compare it to your projected costs of living which combine your discretionary and non-discretionary living expenses accounting for inflation. 对自己是谁以及退休后的生活有更好的认识, allows us to finally strategize what kind of changes we can make today in order to lead you across the finish line towards making your retirement dreams a reality.
当你的目标和需求很明确的时候, your financial advisor or retirement planner can help you investigate different retirement investment options such Individual Retirement Accouncts (IRAs), Roth ira, 简化雇员退休金(SEP), 或者其他你可以得到的退休基金.
退休是一种平衡之举, all of the key components such as money saved (retirement savings) and social security need to be planned so that you can reach the finish line towards living the retirement you always imagined. Getting a realistic image of where you are at versus where you need to be in terms of retirement planning is where we come into the picture. As 独立财务顾问，beplay2在受托人的基础上提供公正的建议.
因为beplay2的独立, beplay2不受专有产品的束缚，因此beplay2没有任何难以满足的销售配额. 当beplay2创建 综合财务退休计划, we make sure it’s tailored around your personal goals so that we can find suitable solutions to the things that are the most concerning to you.