Retirement Planning

Dreaming of a comfortable retirement but unsure if you’re on the right track?

You’re not alone. Planning for retirement can feel overwhelming, especially with so many unknowns. How much should you save? Will your savings last through your retirement years? What about Social Security or your pension? These are common questions we help answer every day.

At Wealth Management Legacy Planning Group in Albuquerque, NM, our Retirement Planning service is all about creating clarity and confidence for your future. We start by understanding your unique situation – your current savings, expected retirement lifestyle, and concerns.

Many of our clients are in their peak earning years or nearing retirement and worry about things like outliving their savings, rising healthcare costs, or when exactly they can afford to retire. We understand the challenges you face, whether you’re an individual employee or a small business owner looking to manage your own retirement (and possibly your employees’ future).

Our Tailored Retirement Strategies

Comprehensive analysis of your retirement needs

We evaluate your 401(k), 403(b), 457(b), pension plans (including New Mexico’s ERB for educators), and other savings to determine how much income they could provide in retirement.

Social Security and pension optimization

Unsure when to take Social Security or how to choose pension options? We’ll guide you through the timing and choices that help maximize your lifetime benefits.

Investment planning for pursuing growth

We create an investment strategy that seeks to balance growth with protection, so your nest egg can last. Our team monitors and adjusts your portfolio as needed to respond to market changes while managing risk.

Income planning and budgeting

As you transition into retirement, we help turn your savings into a steady paycheck. From Required Minimum Distributions (RMDs) to managing withdrawals in a tax-efficient way, we’ve got you covered.

Small business retirement solutions

If you’re a small business owner in Albuquerque, we can help set up and manage retirement plans for you and your employees (such as SEP IRAs or small business 401(k)s), so you can save for the future while taking care of your team.

Benefits of Our Retirement Planning

Confidence and knowledge

Know that you have a clear plan to retire comfortably that addresses your fear of running out of money.

Personalized retirement income

Through smart timing and planning, seek to make the most of Social Security, pensions, and investments for a fuller retirement income.

Personalized guidance

No two retirements are the same. Your plan is tailored to your goals, whether that’s traveling the world, starting a second career, or simply enjoying time with family here in New Mexico.

Continual support

We don’t just set up your plan and walk away. We’ll review your retirement strategy regularly and adjust as needed for market changes or life events, ensuring you stay on track.

Schedule your free retirement planning consultation in Albuquerque, NM today. Let’s work together to manage the comfortable retirement you deserve.