Financial security in retirement requires comprehensive financial planning, commitment, and a healthy amount of funds to invest and manage. The heightening need for retirement planning could be propelled by a combination of factors, including newfound wealth from real estate, company stock, the sale of a business or more traditional issues – people living longer in retirement, the reduced availability of employer pensions, an uncertain future for Social Security benefits, and most recently, inflation hitting a new 40-year high at 8.5%.

No matter the state of the economy, retirement investment strategies for affluent individuals and families is essential. You don’t want to be unprepared for inevitable economic disruptions which could result in serious wealth deterioration.

Long-term financial management provided by Fairview Capital can help mitigate the impacts of a bear market and beyond.

As a wealth management firm in the San Francisco Bay Area, it is our duty to provide complete transparency with our clients, which assures no conflict of interest.

Retirement Income Planning

Retirement planning is an evolving multistep process that calls for professional investment advisory service. Building a financial asset base that will endow a retirement requires investment decisions based on rigorous research and a disciplined approach. We have simplified the process so you know how to proceed and what to expect within retirement income planning.

Step 1: Define your retirement goals.
Step 2: Understand your time horizon (the time you have to meet your goals).
Step 3: Determine your retirement spending needs and assets you can dedicate toward that goal.
Step 4: Assess your risk tolerance versus your investment goals.
Step 5: Determine the rate of return needed to achieve your retirement goals.

As you accumulate more wealth, you should invest to outpace inflation and grow in line with your goals. Our dedicated, in-house planning team will review your retirement plan, asset allocation, and investment accounts. When you are approaching retirement, the Fairview team will lay out the steps and priority of actions to be taken during your transition.

Because a tax bill awaits when you start withdrawing money from most of your retirement accounts, tax planning is a vital part of wealth management. There are ways to minimize the tax hit in retirement while saving for the future. At Fairview, we will consider the tax consequences of the financial decisions across your various assets and accounts to protect your financial wealth.

Read: How A Financial Advisor Can Help You Manage Your Tax Exposure

Planning an Early Retirement?

Have you set an early retirement date or are you already retired? Because age is part of a retirement strategy, Fairview can evaluate your current financial situation and work with you to set and achieve your retirement plan. Every client has a customized plan—yours will be tailored to your goals.

Our team will help you determine which sources are best for income during early retirement.

Cash Flow Projections

You need to consider life expectancy, income streams, and lifestyle now and during retirement. Fairview has financial tools and expertise to assist in analyzing current cash flows and what will be needed in the future. Of course, this will be updated and monitored as things change.

You can also track progress towards goals through consistent reviews with your Fairview team as well as the firm’s online resources. We will help you determine the hierarchy of spending from your accounts to optimize cash flow and taxes.

Benefits + Social Security

Get expert advice to navigate the complexities of your pensions and social security. The Fairview team can help you understand how benefits vary based on past income, year born, and retirement age. The goal is to ensure you won’t outlive your retirement assets, which is the #1 fear of retirees.

Multigenerational Planning

In the planning process, it is often discovered that generations above or below may need financial help. When it is determined that the client has enough assets for their lifetime, we can facilitate the discussions and more complex multigenerational planning with trusted estate planning attorneys and tax experts. We can coordinate multigenerational wealth transfers, charitable giving, and the management of those investment assets along the way.

Our experience suggests that with a plan in place, ongoing analysis and conversations, and tailored guidance for different generations, our clients are more likely to achieve their financial and life goals. If you’re charitably inclined, we will help you understand your gifting options, which may include using highly appreciated stocks instead of cash.

At Fairview, we often work with multiple family members, which enables smooth transitions across generations and broader decision-making. Whether exploring how to invest an inheritance, tax strategies, or decisions on real estate, we act as your trusted financial partner.

Our ability to adjust financial plans, monitor portfolios closely, and continuously communicate help you stay on track. This long-term, multigenerational approach ensures proper attention to your legacy and what you care about.

“Fairview Capital will monitor your liabilities, assets, expenses, income, and cash flow to ensure you understand your full financial picture at all life stages.”

Reach out for personalized advice from a boutique firm providing a high level of client service. Our team looks forward to working with you and your family. Talk with a member of the Fairview Capital team today.

The information contained in this communication is provided for general purposes only, and was prepared in reliance on independent, third-party sources that Fairview Capital Investment Management, LLC (“Fairview Capital”), an SEC-registered investment adviser, believes are reliable. Nevertheless, Fairview Capital does not guarantee its accuracy or timeliness of any information provided herein. The information reflects subjective judgments, assumptions and Fairview Capital’s opinion on the date made and may change without notice; Fairview Capital is not obligated to update this information. Nothing in this communication should be construed as investment or tax advice, a solicitation, offer, or recommendation, to buy or sell any security. Investment management services are offered only pursuant to a written investment management agreement, which investors are urged to carefully read and consider in determining whether such agreement is suitable for their individual needs and circumstances. The information in this communication should not be construed as an endorsement, recommendation or sponsorship of any company or security. If this post mentions a specific investment or security, we or our affiliates may have a position in that security (either long or short), and we may profit from a price change in that security.

Investment management and advisory services–which are not FDIC insured–are provided by Fairview Capital. Any links provided to other sites are offered as a matter of convenience and are not intended to imply that Fairview Capital or its affiliates endorses, sponsors, promotes and/or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated otherwise. All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Please see Fairview Capital’s Form ADV Part 2A and Form CRS for important details.

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    San Francisco Bay Area Office
    300 Drakes Landing Road, Suite 250
    Greenbrae, CA 94904
    (415) 464-4640

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    103 Brilliant Avenue, Suite A
    Pittsburgh, PA 15215
    (412) 963-9160

Nothing in these materials should be construed as investment or legal advice or a recommendation to purchase or sell securities. The information is not intended as an offer to provide advisory services in any state or jurisdiction where such offer would not be permitted under applicable law.

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