Financial Services

Retirement Planning

Everyone wants to enjoy a long and comfortable retirement, but creating a solid plan takes time, careful attention, and educated decision making. At Troyer Retirement, we can help you create a personalized retirement guide that addresses your unique financial situation and goals and can help protect you from potential pitfalls on the trail to your golden years. We offer a broad range of financial services to help turn your dream retirement into your reality.

We believe the number one rule to a happy retirement is have more guaranteed income than your expenses. This is the first thing we address with all our clients. Once you have that, we can help you work on the next steps in your retirement plan. Studies show that a married couple retiring today has a 35% chance of one spouse living to the age of 95. Is your retirement plan prepared for 30+ years of life?

We create a customized retirement plan encompassing all sources of income for each of our clients. No two plans are exactly alike. Let us get to work on a plan for you!

Social Security Optimization

With Social Security being the only source of income for many retirees, it is becoming increasingly more important to know how to better optimize your Social Security benefits. Did you know that you can begin to receive reduced benefits from as early as age 62? Some may prefer to delay benefits until they reach 70, but what is right for you? At Troyer Retirement we work with you and your unique retirement goals to help determine how to optimize your Social Security benefits and potentially minimize taxes.

Family Legacy Planning

Many of our clients want to leave a legacy for their children and grandchildren. We can help show them ways to potentially double, even triple their inheritance – TAX-FREE AND GUARENTEED!

We also work with our clients to help them embrace their own mortality and be prepared for the loss of a spouse and the income burdens this can often create.

IRA/401(k) Rollovers

Should you leave your money where it is, take the money and run, transfer it into another plan, or rollover into an IRA? Whatever you choose has far-reaching implications for your retirement.

We can help plan and execute the best option for you, allowing your money to potentially grow tax-deferred while providing you with more customizable investments.

Wealth Management

Investing should be easy – just buy low and sell high, right? But most of us have trouble following that simple advice. There are principles and strategies that may enable you to put together an investment portfolio that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies could help you avoid some of the pitfalls that snare some investors.

At Troyer Retirement, we believe the first step on the path to retirement is equipping your investments with our investment methodology known as Market Guard®.

Learn more about Market Guard^® here.

Tax-Efficient Strategies

Do you know what the best way to increase your retirement income is? We believe it’s to pay less taxes. How do we do that? By making the tax code work for us in an easy-to-understand way.

Taxes can be confusing to some people, and just when you get the hang of it, the tax laws change. In our opinion, we have found that most accountants take the info you give them and put it “in the system.” That is why we like to give our clients tax-efficiency strategies for retirement. Taxes can be the single biggest expense people have in life. Unfortunately, some people are either paying too much or doing Roth conversions at the wrong time, depending on their unique situation.

Fortunately, we love taxes. Depending on how you look at it, the tax code can provide rules to help you not pay too much and also help you to not pay more. Did you know the average retired couple making $60,000 per year should pay LESS than $1,000 in federal taxes? If you are paying 22%, 24% or more, you need to see what we can do to help.