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Retirement Income Planning

Missoula montana financial planning

Retirement Income Planning in Missoula, Montana



Income Planning & Social Security

Benefits from Social Security aren’t as straightforward as you would think. You will need to make a number of crucial decisions about your benefits that will have an impact on how much money you receive each month for the rest of your life. Come see us so we can discuss your Social Security choices with you and provide you with a free analysis. You will require an additional source of long-term income in addition to Social Security.

Allow us to show you many methods for creating a lifetime, guaranteed stream of income. Most people these days are concerned about outliving their money, a very real concern.


Distribution Analysis

You will eventually start taking distributions if you have money saved in a tax-advantaged retirement account. Some retirees delay these distributions as long as they can in order to let their principal increase before starting withdrawals. However, the IRS mandates that you start taking distributions at the age of 70½. You should organize your Required Minimum Distributions properly to prevent paying too much in income taxes, and you should carefully calculate them to avoid any penalties. We can assist you in performing these calculations and selecting the ideal distribution method.


Tax Planning

In retirement, your tax situation could drastically change. You will be required to pay income taxes on withdrawals from your retirement accounts, and you might be astonished to hear that even Social Security benefits are subject to taxation.
Before you retire, come see us so that we can assess your tax situation and assist you avoid any unpleasant surprises. We can develop a plan to reduce your tax liability together.


IRA, 401(k) and 403(b) Rollovers

Do you hold any old retirement accounts, from prior employment situations, that are sitting dormant?

It’s possible that these funds could be growing more fruitfully if you rolled them into your current 401(k) or 403(b) plan. We can help you determine whether a rollover would help you, and help you perform this maneuver.

Our team can help you address these retirement issues, along with any other questions you might ask.

We clarify the confusing aspects of retirement and paint you a clear picture of your pre- and post-retirement income planning.



The purpose of an annuity, a long-term investment provided by an insurance company, is to lessen your chance of outliving your income. Your purchase payments (what you give) are transformed into recurring payments that may last a lifetime through annuitization.Protected income from an Annuity can help you retire in greater security.
Retirement ought to be an exciting, educational, and enjoyable time. However, there are a lot of factors to take into account, such as your plan for secured lifetime income.

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