Getting advice that is free from potential conflicts of interests is a key to being able to trust your advisors. We take the time to explain how we’re compensated, and fully disclose whether any potential conflicts of interest are present in our relationship.

A good plan starts with good questions.  Retirement planning involves tangible and intangible factors, and it takes time to uncover what’s really important for your unique situation.  Your advisors need to take the time to ask thoughtful questions, so they can be aware of the following when working on your behalf:

• Where you want to live in retirement, and whether have you actually lived or stayed there for any length of time.  This is important to know, because a place you’ve enjoyed for a weekend or a few weeks at a time might not be where you want to relocate to for the rest of your life.
  
  
• What is your overall health like, and the health of those dependent upon you?
  
  
• What are your income goals, for the first few years of retirement, and for the second and third stages of retirement?  How much of this amount are wants and how much are needs?
  
  
• What are your needs for long term care protection?
  
  
• Will your health insurance be provided by your employer in retirement?  If so, what levels of coverage will apply?

Depending solely upon the stock and bond markets, or fixed products like CD’s or fixed annuities won’t provide for a secure lifetime of income, unless you need around 3% or less annually. Click here for our Guide to Understanding Alternative Investments. This article explains how the use of alternative investments, blended with a traditional portfolio of stocks and bonds can provide the potential for higher and safer income returns than a traditional portfolio.

Imagine a head coach of a team or a business CEO that didn’t communicate frequently (or constantly) with the other coaches or other executives of the company. This team or company would be doomed to failure from day one. Yet, in the world of financial planning and investment management, it is rare for a firm to help clients assemble a team of tax, insurance, and estate planning specialists who communicate at least annually about your total wealth management needs.

At Hutto Retirement Advisors LLC we are committed to helping to assemble these professionals for you, so that what one professional does on your behalf is integrated with the work of the others.