Long before retirement even hits our radar, we’re planning what type of education, skills training and professional designations we will acquire. We spend a lot of time planning which industries are the best place to work in, and which employers to work for. Once employed, we carefully strategize our every career move, so that we progress to the top of the ladder in our respective fields.

Sadly though, while we focus most of our efforts on all these plans, we often forget to plan for “life after work.”

Our San Diego retirement planning services are tailored to your current finances and future plans.

The importance of retirement planning

Everything we do – from choosing a career to managing career progressions at our employers – is presumably so we and our families and dependents can have a better life. But if we fail to plan for “life after work,” all of the plans and effort we put into our working lives, could be jeopardized.

What will retirement look like? Are we spending too much? What if we’re not saving enough? How frequently should we be saving? Could we run out of money in retirement? Are we investing in the right places? How much will we need in retirement? Will government and employer pension plans cover us through retirement?

If we don’t plan for retirement, we’ll never be able to prepare for it – an ill-prepared retirement leads to stress and chaos.

What we can do for you

For our clients, retirement planning doesn’t start at retirement. It starts long before! Our retirement planning service takes a long-term view of your financial wellbeing. We use a life-cycle approach to ensure your “life after work” is as well-planned as your life prior to retirement.

Here’s what we do for you as part of our Retirement Planning service:

• Your personalized retirement planning strategy: Everything we do for you centers around (i) helping you plan to achieve your financial goals prior to retirement; (ii) planning to ensure you have sufficient income during retirement; (iii) putting plans in place to safeguard your savings and yourself against potential catastrophes; and (iv) planning for your legacy.
• Understanding your goals: Through an intensely personalized approach, we understand what your retirement goals are.
• Analyzing where you are at: To plan a meaningful retirement, you need to know where you currently stand. We’ll help you build an in-depth financial inventory to use as part of our retirement planning process.
• Developing the plan: Remember all those questions you had on your mind – largely unanswered? Well, we’ll work with you to create a retirement plan that addresses every one of them. When we’re done, you’ll not only know what you need (income) to fund your retirement lifestyle, and what your investments will generate; but you’ll also know how to bridge the shortfall – if any.
• Implementing the plan: As you move closer to retirement, we’ll work closely with you to ensure the plans are implemented in a phased and orderly manner. The goal of our retirement planning approach is to make transitioning into retirement as seamless and stress-free as possible.
• Supporting you make decisions on pensions and benefits: Our retirement planning professionals will be right there when you need them, with help and advice on pensions and benefits (government or employer).
• Looking out for you in retirement and beyond: Our retirement planning service isn’t done at your retirement. To live a long and fulfilling retirement, you’ll need help with many other facets of your life – health care, insurance, charitable giving and legacy planning.
• Ongoing reviews: Our retirement planning ensures that we maintain a long and enduring relationship with you. We will continue to monitor and review your retirement plans, and consult with you frequently about any changes or updates needed to address your evolving retirement lifestyle needs.

Retirement benefit services for employers

• Lower fees. Many participants don’t understand the myriad fees and hidden fees associated with their plans, with many believing their plans are “free”. We are not paid according to the investments we recommend. This allows us to use a variety of low-cost investment options that can directly improve your retirement account performance over time by increasing savings and not plan expenditures that reduce savings.
• Personalized advice. We make ourselves directly available through in-person visits, video conferencing, phone calls and email. Our advice goes well beyond merely explaining retirement plans. We assist you in selecting investments for your retirement account, and address other important financial concerns such as saving for your child’s college education, setting up your estate plan or other things giving you concern.
• Custom portfolios. We have found that many retirement plan participants are overwhelmed by the choices in their pension plans, and few realize that many of the funds they are invested in are nothing more than investments in other mutual funds. This means you pay fees, so that your mutual fund manager earns fees, plus pays fees with your money for other managers to make investments on your behalf. Would you go to a restaurant to have the chef order and serve you a meal prepared at another restaurant across the street?
  With Dynamique, we have customized model portfolios managed by our in-house team, and we help you determine which investments best fit your goals and risk tolerance.
• The risk synecdoche. We are held to a higher standard, taking on greater responsibility for providing advice on your retirement plan. As fiduciaries, we are required to always put your interests ahead of our own. This is absolute, and our founder, as an attorney, is unparalleled in his fiduciary standard.
• Convenient account access. Accessing your retirement plan account online to review balances, account history and to make changes to investments and other important details is easy. You can make changes online or receive and change information by phone, fax or mail. As always, if you have questions we welcome your contact direct contact. Your success is our goal.