Retirement Concerns
Longevity Risk
Living longer than expected can magnify the impact of inflation, market volatility, and long-term care needs. Longevity is often a misunderstood risk of retirement income planning; there’s more to longevity than life expectancy data alone.
At HOWE FINANCIAL, LLC we help clients address the risk of living longer and having enough money to last through retirement.
Healthcare Cost
Healthcare Cost
The unpredictable nature of a person's health and healthcare-related expenses makes planning for the long-term healthcare needs of today's retiree a significant challenge.
At Howe Financial, LLC we help you discover ways to incorporate healthcare costs into your retirement income strategy by utilizing approaches and products that serve multiple needs.
Tax Diversification
Tax Diversification
A tax allocation strategy that begins with diversifying retirement income sources is an important step to help minimize the impact of ever-changing tax rates.
At Howe Financial, LLC we focus on including tax vehicles that hold various tax qualifications - taxable, tax-deferred and tax-free to help combat taxation risk when taking withdrawals.
Social Security
Social Security
It is important for our clients to understand different Social Security filing options such as the option to delay receiving benefits as doing so may open up other retirement income strategies.
At Howe Financial, LLC we review various social security filing options which can potentially put our clients in an improved long term financial position.
