Financial Services

Retirement Planning

Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. Retirement is on average lasting longer than it ever has before, and it’s very likely that any given retiree could spend 30 years or more living in retirement without earned income.

What’s the number 1 rule to a happy retirement? It is having more guaranteed income than your expenses. This is the first thing we address with all our clients. Once you have that, you can live in security and invest the rest confidently. Studies show that a married couple retiring today has a 35% chance that one spouse will live 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 Maximization

With Social Security being the only source of income for many retirees, it is becoming increasingly more important to know how to best optimize your Social Security benefits. Did you know that you can begin to receive reduced benefits from as early as age 62? Some 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 you determine how to maximize your Social Security benefits and minimize taxes.

Family Legacy Planning

Many of our clients want to leave a legacy for their children and grandchildren and are shocked to learn how easy it is to double, even triple their inheritance – TAX-FREE AND GUARANTEED!

We also work with our clients and 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 can help you avoid some of the pitfalls that snare some investors.

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

Learn more about Market Guard^® here.

Tax Planning

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

Taxes are confusing to most people, and just when you get the hang of it, the tax laws change. 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 a plan for the taxes they will pay in retirement. Taxes are the single biggest expense most of us have in life. Unfortunately, most people we see are either paying too much, or doing Roth conversions at the wrong time.

Fortunately, we love taxes. We believe the tax code provides us with the rules to help you not pay too much, not to make you 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.