Individual Retirement Planning

"Individuals who cannot master their emotions are ill suited to profit from the investment process."
Benjamin Graham

Baby boomers comprise the majority of income-earning managers and business owners in the country, and they look forward to retirement, but their plans for how to spend their retirement years have changed dramatically over the past few years. Economic events have forever altered their perspective and shifted their portfolios with alarming volatility. At Stifel in Pensacola, we take the time to listen to your needs and help you pursue your vision of retirement. We do this by gathering all of your investments, pension benefits, and tax-deferred assets into a comprehensive plan that allows you to see how the varied pieces of your retirement puzzle fit together into the picture of where you are today so we can help you plan for tomorrow.

Because we approach retirement and income planning from a holistic perspective, we can provide you with a view of how your income and investments might work throughout your retirement years. The holistic approach is a method of considering all of your various investments as a single asset that can be used in a comprehensive strategy that maximizes the tax efficiency and income generation of your portfolio. This method of planning your retirement gives you the flexibility and control needed to work toward your retirement vision.

We will work closely with you and your other advisors to establish a tax-efficient retirement income strategy that takes all of your sources of income, like Social Security benefits, employer-sponsored pensions, individual retirement accounts, and annuities into consideration to help you get the income you need during retirement. We will then develop a strategic investment program that selects an asset allocation strategy to help you pursue your desired retirement goals. Whatever your stage of life, we are ready to work closely with you and guide you through the complexities of retirement investing and income planning. Asset allocation does not ensure a profit or protect against loss.

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