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Retirement Planning

People often think of retirement in abstract terms – far away, undefined, difficult to envision. As a result, more people are unprepared to retire than ever before – according to the Insured Retirement Institute’s 2019 study, 45 percent of baby boomers haven’t put a single penny toward retirement savings. No matter where you are within your retirement savings journey, we can help put your retirement goals into better focus.

Prepare for Tomorrow, Make the Most of Today

Journalists and pundits seem to come out with a new study or soundbite every week declaring our country is in a “retirement crisis.”

But is there actually a nationwide “retirement crisis?” Whether or not there is a cumulative crisis among individuals preparing to eventually retire isn’t the point. The point is that your retirement is in your hands. While you may feel as though there is a crisis looming if you’re unprepared to retire, the truth is that it’s not too late to start those preparations through intentional planning.

That’s what we’re here for – to help you avoid your own personal retirement crisis by putting your financial plan into concrete terms using our five-step process. Want to find out how prepared you are for retirement right now?


Retirement by Design 

Your 401(k) is one of your most significant sources of retirement income — if not the largest. Did you set it and forget it? Do you know if it’s performing as it should?


What about your other retirement accounts?


Investors often feel confused and overwhelmed if they start to wade into the details of these important investment vehicles. Working with our financial advisors can take the guesswork out. They can analyze and manage your retirement savings accounts, making strategic trades that align with your retirement goals — while also accounting for long-term risk.

Your financial advisor can:

  • Review contributions, distributions and trade activity
  • Take into account your risk profile and long-term goals
  • Execute asset allocation changes as needed
  • Incorporate your retirement accounts into a holistic financial plan

Everyone Offers Retirement Planning These Days. What’s so Special About Bluerock Financial's Approach?

We often compare retirement planning to trying to hit a moving target in the wind. The target is your retirement goals – essentially what you want to spend and accomplish with your finances. The target is moving because you don’t know how long you will live – your retirement could last 5 years or 40. Then there is wind because things will change along the way.

Just like when NASA goes to the moon – and the countless calculations involved – we can’t expect to reach our end target by going in a straight line. Instead, we need to have a plan that addresses the risks along the way and can change as our retirement changes.

Any quality retirement income plan should start with a review of your goals or spending needs. Next, you should examine your current assets and retirement income sources like pensions, 401(k)s, and Social Security. We spend a lot of time helping you avoid potential mistakes when it comes to retirement planning.

All of us have had a flat tire on our bikes growing up. One of the great tricks for repairing the tire was to submerge the inner tube in water to see where the bubbles came from. Then you could find the leaks and patch accordingly.

Your retirement income plan may be sending up bubbles, too, whether around Social Security, taxes, healthcare or somewhere else – and these losses need to be patched up right away.

So, to help your retirement plan be more airtight, let’s look at a few of the common leaks.

  • Taxes
  • Spousal Benefits
  • Inflation
  • Medicare and Social Security
  • Risk Tolereance and Downside Protection

Download "Retire Happy," Our Free Ebook!

Are you looking forward to retirement? Are you really prepared for what lies ahead? Our free ebook can help you find out. Register today to receive your copy of "Retire Happy: A Simple Guide to Your Next Big Adventure."

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