{"id":100,"date":"2024-12-10T12:29:43","date_gmt":"2024-12-10T12:29:43","guid":{"rendered":"https:\/\/kayadevelopmentserver.com\/fs\/?page_id=100"},"modified":"2025-01-10T17:10:44","modified_gmt":"2025-01-10T17:10:44","slug":"retirement-readiness-service","status":"publish","type":"page","link":"https:\/\/kayadevelopmentserver.com\/fs\/retirement-readiness-service\/","title":{"rendered":"Retirement Readiness Service"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/kayadevelopmentserver.com\/fs\/wp-content\/uploads\/2024\/12\/fs-nl-bnr-1.jpg&#8221; background_position=&#8221;top_right&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Retirement Readiness Service&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#FFFFFF&#8221; title_font_size=&#8221;42px&#8221; title_font_size_tablet=&#8221;42px&#8221; title_font_size_phone=&#8221;36px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; title_text_shadow_style=&#8221;preset1&#8243; title_text_shadow_vertical_length=&#8221;0em&#8221; title_text_shadow_vertical_length_tablet=&#8221;0em&#8221; title_text_shadow_vertical_length_phone=&#8221;0.1em&#8221; title_text_shadow_vertical_length_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; global_colors_info=&#8221;{%22gcid-cb37cc24-cdf1-4e52-9022-9563fc3cf115%22:%91%22background_color%22%93}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;RR page&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Approaching retirement age, people often have similar questions and concerns around their financial future.<\/p>\n<p>I provide a comprehensive and understandable analysis of your <em>retirement-readiness<\/em>. You will receive guidance and clarity about your financial security during retirement and understand actions you can take to mitigate any identified risks. This will include multiple scenarios of how your financial future may unfold. You will also receive a holistic evaluation of your retirement roadmap and how your future net worth will evolve over your retirement years.<\/p>\n<p>You will learn:<\/p>\n<ul style=\"margin-left: 30px;\">\n<li>When you can afford to retire and how your financial stability would change if you were to work more or fewer years<\/li>\n<li>How much you can prudently spend each year and if you are at risk of outliving your savings<\/li>\n<li>Your options to get back on track if your savings are not sufficient for your retirement spending target<\/li>\n<li>How your financial stability would change if you were to experience a significant unplanned expense or investment loss<\/li>\n<li>How you should invest your savings and the appropriate asset allocation and selection of low-cost mutual funds<\/li>\n<li>Whether you should pay off any remaining mortgage balance<\/li>\n<li>When to claim your\u00a0Social Security benefit<\/li>\n<li>Whether an <a href=\"https:\/\/financiallyspeaking.substack.com\/p\/longevity-insurance\" target=\"_blank\" rel=\"noopener noreferrer\">annuity<\/a> makes sense, and if so, when to purchase it<\/li>\n<li>How to consolidate and simplify your retirement accounts<\/li>\n<li>The optimal distribution strategy for your retirement accounts and whether <a href=\"https:\/\/financiallyspeaking.substack.com\/p\/should-you-do-a-roth-ira-conversion\" target=\"_blank\" rel=\"noopener\">Roth IRA conversions<\/a> would be sensible<\/li>\n<li>If you face Medicare surcharges (\u201cIRMAA\u201c) and if so, how to minimize them<\/li>\n<li>Whether long-term care insurance makes sense, and if so, how to purchase it<\/li>\n<\/ul>\n<p>The fee for this service is $750 and includes 90 days of follow-up financial planning. You can get a sense of my retirement planning approach <a href=\"https:\/\/financiallyspeaking.substack.com\/p\/so-youre-ready-to-retire\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/p>\n<p style=\"text-align: center;\"><a class=\"post-questions\" style=\"display: inline-block;\" href=\"https:\/\/kayadevelopmentserver.com\/fs\">Questions?\u00a0\u00a0Get in touch<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/kayadevelopmentserver.com\/fs\/wp-content\/uploads\/2024\/12\/fs-hm-clnt-tstmnl-bg.jpg&#8221; custom_padding=&#8221;30px||80px||false|false&#8221; custom_padding_tablet=&#8221;20px||60px||false|false&#8221; custom_padding_phone=&#8221;20px||40px||false|false&#8221; locked=&#8221;off&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/kayadevelopmentserver.com\/fs\/wp-content\/uploads\/2024\/12\/fs-clnt-tstmnl-qt-dn.png&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;bottom_right&#8221; custom_padding=&#8221;||14px|||&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;What are clients saying?&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;|600|||||||&#8221; title_text_align=&#8221;center&#8221; title_text_color=&#8221;#FFFFFF&#8221; title_font_size=&#8221;42px&#8221; custom_margin=&#8221;||10px||false|false&#8221; title_font_size_tablet=&#8221;42px&#8221; title_font_size_phone=&#8221;25px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_slider _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; background_image=&#8221;https:\/\/kayadevelopmentserver.com\/fs\/wp-content\/uploads\/2024\/12\/fs-clnt-tstmnl-qt-up.png&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; custom_padding=&#8221;50px||50px||true|false&#8221; hover_transition_duration=&#8221;100ms&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_slide _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;||on||||||&#8221; background_enable_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;]<\/p>\n<p>The Retirement-Readiness service was just what we needed to answer our questions about planning for retirement.<\/p>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;||on||||||&#8221; background_enable_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;]We were a bit stressed about our (lack of) financial planning but Jimmy put us at ease and showed us a way forward\u2026 thanks.[\/et_pb_slide][et_pb_slide _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;||on||||||&#8221; background_enable_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;]<\/p>\n<p>Jimmy made it simple and understandable for us.<\/p>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;||on||||||&#8221; background_enable_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;]<\/p>\n<p>We found the meeting very helpful, and appreciated your ability to be clear, concise, practical and look at a number of different perspectives, providing contrasting ways of looking at things. It was just what we needed.<\/p>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;||on||||||&#8221; background_enable_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;]We had questions about our financial advisor and Jimmy gave us an unbiased assessment that was quite helpful and turned out to save us a lot of money.[\/et_pb_slide][et_pb_slide _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;||on||||||&#8221; background_enable_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;]Jimmy understands how stressful money is to most of us\u2026 he thinks creatively and explains it all clearly.[\/et_pb_slide][\/et_pb_slider][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Approaching retirement age, people often have similar questions and concerns around their financial future. I provide a comprehensive and understandable analysis of your retirement-readiness. You will receive guidance and clarity about your financial security during retirement and understand actions you can take to mitigate any identified risks. This will include multiple scenarios of how your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-100","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/pages\/100","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/comments?post=100"}],"version-history":[{"count":9,"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/pages\/100\/revisions"}],"predecessor-version":[{"id":535,"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/pages\/100\/revisions\/535"}],"wp:attachment":[{"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/media?parent=100"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}