All Things Retirement

How prepared are you for retirement’s challenges? We’re here to help – click below to get started getting your retirement back on track

MONEY PHASES ... WHAT AGE ARE YOU?

20's-30's

Start Saving

40's

Protect and Accumulate

50's

Peak Earning and Growth

60's-70's

Celebrate and Spend

Secure Your Financial Future: Grow, KEEP, and Leave Your Money

GROW

Embrace the growth and savings phase of your life. It’s time to nurture your financial security.

  • Grow your funds during your working years
  • Maximize your returns
  • Prepare for a financially robust retirement

LEAVE

Plan for the future and leave a lasting legacy for those you care about the most.

  • Leave your money to your SPOUSE, ensuring their financial well-being
  • Leave a legacy for your FAMILY, providing for their future
  • Leave your money to your LOVED ONES, leaving a lasting impact
  • Support CHARITIES and the causes you believe in, even after you’re gone

KEEP

Ensuring that your hard-earned money remains in your hands is crucial. Safeguard your wealth from potential pitfalls.

  • Keep your money safe from the IRS
  • Shield your assets from the STATE
  • Protect your savings from the cost of NURSING HOME care
  • Maintain your purchasing power, even in the face of INFLATION
  • Keep your money PROTECTED and secure during the Preservation phase of your life
Grow
  • Grow your funds during your working years
  • Maximize your return
  • Accumulation phase of your life
Keep
  • Keep your money from the IRS
  • Keep your money from the STATE
  • Keep your money from the NURSING HOME
  • Keep up with INFLATION
  • Keep your money PROTECTED
  • Preservation phase of your life
Leave
  • Leave your money to your SPOUSE
  • Leave your money to your FAMILY
  • Leave your money to your LOVED ONES
  • Leave your money to your CHARITIES
0 + Years
Experience Helping Clients
0 %
Current Consumer Price Index (CPI)*
$ 0 Trillion
Current US National Debt*
0 %
Current 10-Year Treasury Yield*

*Statistics as per Yahoo Finance, US Debt Clock, and BLS.gov

Find Out If You'll Be Overpaying Taxes in Retirement Here

Click the following button to calculate if you’ll be overpaying for taxes in retirement

5/5

"Pete and his network of professionals go the extra miles to guide you without pressure to secure your best possible retirement! Based on our 20 + years of experience, you won’t be disappointed."

-Mike and Michele L 3/23/23

The above testimonial are the views of this individual client and do not represent the views of all clients. No compensation was provided for this review. This testimonial does not provide guarantee of future performance or success.

Understand These Retirement and Tax Risks for a Secure Future

Market Risk

Are you torn between taking more risks for potential growth or opting for lower risk to protect your savings? We call this the saver’s dilemma.

For pre-retirees and retirees, finding a balance is crucial. You want your money to grow steadily to keep up with rising costs, but sudden market drops can be more damaging than you might realize due to market volatility.

Learn more about managing your investments to ensure a secure retirement.

Income Risk

When it comes to retirement savings, income tax on tax-deferred accounts (like 401ks and IRAs) becomes a concern when required minimum distributions (RMDs) kick in.

Moreover, the sequence of returns risk, the order in which your account returns occur during withdrawals, can significantly impact your savings. You may also worry about outliving your money.

Discover strategies to minimize income risks during retirement.

 

Tax Risk

The national federal debt now exceeds $32 trillion and continues to grow. Those who earn and have money are most vulnerable to the consequences of this debt. 

Did you know that retirement assets make up a substantial portion of all household financial assets in the United States? According to the latest data from the ICI, total US retirement assets reached $36.7 trillion as of June 30, 2023. 

Don’t focus solely on reducing your taxes this year. Think about reducing your taxes over your lifetime. Could your tax bill in retirement become a significant burden? Explore three scenarios: lower, stable, or higher tax rates to make informed decisions.

Legislative Risk

Legislative risk is closely tied to tax risk. With Congress constantly debating trillions of dollars in tax and spending bills, changes to retirement plans and savings accounts are on the horizon.

It’s essential to recognize that tax bracket rates in 1998 were almost 30% higher than in 2018. These rates can dramatically shift based on updated legislative changes.

Stay informed about potential legislative changes and safeguard your financial future.

Remember, The Lynch Financial Group is here to help you navigate these risks and plan for a secure retirement. Contact us today to get personalized advice and create a plan tailored to your needs.

 

Experienced Fiduciaries Committed to Your Success

As experienced fiduciaries, we have a responsibility to uphold based on putting our client’s interests first over our own financial interests. Our goal is simple – to help our clients achieve financial independence so they can focus on what’s truly important to them.

We achieve this by offering our wide array of services and expertise in tax and retirement planning putting your interests first. Unlike competitors that may rush through the process and recommend investments that they have a financial benefit or interest in, we always put our clients first.  

Our Retirement and Financial Comprehensive Planning Services

Holistic Planning Process

We provide a step-by-step holistic planning approach that includes investments, insurance, tax, estate, social security, retirement income and healthcare planning into one comprehensive plan

Investment Management

We leverage our decades of experience and access to the most updated market research to help create an investment management strategy specifically for your financial and retirement goals

Tax Management

We leverage our licensed CPAs to provide tax management in addition to financial and retirement planning. This helps you avoid paying unnecessary taxes and provides you with the peace of mind you deserve around your taxes

Additional Services

We also provide additional services ranging from insurance guidance, estate planning, social security guidance, health and medicare planning. Click the button below to learn more about how we can help

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Financial Planning and Advisory Services are offered through Prosperity Capital Advisors (“PCA”) an SEC registered investment adviser with its corporate registered office in the State of Ohio. PCA and its representatives are in compliance with the current registration requirements imposed upon registered investment advisers by those states in which PCA maintains clients. PCA may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Any subsequent, direct communication by PCA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. The Lynch Financial Group and PCA are separate, non- affiliated entities. PCA does not provide tax or legal advice. Insurance, Investment, and Tax Services offered through The Lynch Financial Group  are not affiliated with PCA. Information received from this website should not be viewed as investment advice. Content may have been created by a Third Party and was not written or created by a PCA affiliated advisor and does not represent the views and opinions of PCA or its subsidiaries. This site may contain links to articles or other information that may be contained on a third-party website. PCA is not responsible for and does not control, adopt, or endorse any content contained on any third party website. For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money.

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