www.graniteestate.com
Granite Financial Group
Company Address
1670 Keller Parkway, Suite 200
Keller, TX 76248 USA
TEL: (800) 988-4321
LOCAL: (817) 379-9323
FAX: (817) 431-9589

Retirement Concerns

Besides starting a family, retirement is probably one of the most life-changing events one will face. It can be both exciting and scary. Granite has been through retirement hundreds of times — through the lives of our clients. We understand the issues, concerns and fears that most people experience. The Granite team wants you to walk in confidence.

As you contemplate your retirement, you will quickly recognize the many challenges that lie before you, including many of which you may not be fully aware — inflation, the rising cost of health care, changing tax laws, unpredictable economy, and more. Always at the top of the list though is fear of outliving your money.

Granite can educate you about these challenges, and help you feel comfortable and confident about facing retirement. A plan DOES exist for you. And Granite can help unfold that plan so that you can see, understand, and work the plan. The Granite team wants to make sure that your income needs are totally met in the most tax-advantaged way with the best protection for you now and into the future. We're very concerned about your comfort and that your lifestyle will not change — meaning your financial dignity and independence. And no matter the technique or strategy that best suits your needs, we are prepared to walk with you all the way to your goals.

  1. When should I start planning for my retirement?

    Now. It is never too early to start your plan. No matter what your stage of life, retirement should be part of your plan. Time and interest do wonders to your money, so the earlier you start, the better the results. If you feel like you are getting off to a late start, let's discuss some creative techniques to still reach your goals. Something is better than nothing. Whether you have decades or just years before retirement, Granite can help you design a plan to get there. It costs nothing to get some advice on your future goals. Give us a call.

  2. How can I prevent outliving my money?

    This is a primary concern for all retirees. There are many things that can erode one's life savings and retirement accounts: taxes, inflation, health care costs, lifestyle choices, etc. These many variables make buying a retirement plan "off the shelf" from some salesperson much too risky! There are ways to strategize and bring security to your future income. Granite specializes in designing custom plans for each couple or individual. In fact, you probably would enjoy receiving a retirement income analysis report given free following an initial visit with one of our professional advisors.

  3. What legal documents do I need for retirement?

    Everyone needs to have proper legal documents in place, starting with a will. You will want to leave a legal guideline for your heirs. We also recommend that everyone have a "living package" that includes appropriate powers of attorney, healthcare directives, guardianship assignments and privacy disclosures. In some cases a type of living trust might be appropriate. These documents are not hard to obtain, but getting them fashioned to specifically fulfill your needs and desires takes the help of a professional. Working through our attorneys, clients of Granite have access to creation and implementation of these critical documents.

  4. Am I on the right track?

    Retirement means different things to different people. It could mean travel, attaining further education, mentoring someone, consulting part time, playing all the time, volunteering… the list is endless. Sometimes you have to define what retirement means to you before you can know you are on the right track. You'll have a better chance at reaching them if you have a plan in place. Do you have one? Do you have a coach to walk with you through the plan, to help define it, make adjustments when needed, and carry you through it? What ever your dreams are, Granite will help you achieve them.

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