RETIREMENT PLANNING SERVICES

• Principal Protection 
• Protection from Market Losses 
• Guaranteed Lifetime Income 
• Life Insurance with Living Benefits
• Custom Personal Economic Model
• Retirement Income Streams
• Long-term Care Planning
• Social Security Maximization
• Tax Efficient Strategies
• Legacy Planning for the Next Generation
• Investment Planning

At Harkins LLC and Detiveaux & Harkins LLC our mission is simple: to help our clients implement strategies to reach their personal goals and secure their financial future. Our team focuses on the individual needs of our clients by listening to their concerns today and dreams for the future. We enjoy educating and assisting individuals/businesses to find the right strategy to fit their needs and reach their personal goals. 

Planning for Retirement

We develop strategies that provide principal protection from market downturns, maximize social security, create guaranteed income for life and help plan for the unexpected. We focus on locking in gains when the market is up and providing protection from losses when the market is down. We understand the importance of safe money strategies and insurance for all stages of life needs. Retirement savings may not be enough for many people approaching or currently in retirement. Helping families protect and stay in their own world by planning ahead for the unexpected is a top priority. 

Income Strategies

For many retirees or those approaching retirement, the need to generate income during their retirement years is an important factor to produce security for the future. With so many improvements in healthcare people are living longer. Many retirees are concerned about running out of money, maintaining their lifestyle, taxes, healthcare cost, and taking care of loved ones after they are gone. Understanding how your retirement savings spends down is an important part of the retirement years. As pensions have faded away, more people are dependent on their qualified plans like 401(k)s and IRAs, and it is important to understand how all of your income streams, including Social Security, come together in retirement.  In addition, if you have a pension, it may be even more important to understand how your income streams can best work for you during retirement.                               

Let's Get Started

Whether you are just starting your career, approaching retirement, or retired it is never too early or too late for an initial review or second opinion. If there was possibly something better you could implement to help reach your personal retirement goals, how soon would you want to know more about it?  

Please contact us to schedule your COMPLIMENTARY RETIREMENT STRATEGY SESSION.