In the past, retirement planning was conducted along the lines of the so-called three-legged stool.

(1) Employer Pensions

(2) Social Security

(3) Private Savings

However, because employer pensions are going the way of the dinosaur and the 8-track, and because Social Security is on ever shakier ground, private savings have taken on an increasingly important role in retirement-planning applications.

We have the expertise to help you navigate through some of these choppy and uncertain waters.

Our team is well familiar with local corporations — such as Ameren UE, Anheuser-Busch / Inbev, BJC, Boeing, Centene, Emerson Electric, Enterprise, Express Scripts, General Motors (GM), Graybar, Jones Financial / Edward Jones, Monsanto, Panera / St.-Louis Bread Co., Peabody — and, more to the point, their benefit plans.

When appropriate, we take a holistic approach. Let us assist you in planning for your retirement with 401(k) (or other, employer-sponsored plan) contributions (like those in 403(b)s, 457(b)s, etc.), Life-Insurance Retirement Plans (LIRPS, or “7702” plans), and in incorporating retirement annuities.

We appreciate and weigh the roles played by both conservative vehicles (such as certificates of deposit, or CDs, and CD-alternatives, such as cash-value life insurance) as well as less conservative vehicles (like market-connected vehicles such as index funds, mutual funds, and variable life-insurance policies).

Seldom is a one-size-fits-all approach the right way to go. No less is this true in retirement planning.

Everyone’s situation is different.

Your goals are unique.

Your values are your own.

Your assets and income must be carefully factored.

We do not pretend to be the end-all/be-all of retirement planning.

But we do subscribe to the old adage, “Measure twice; cut once.”

Do you have enough confidence in your retirement plans to get a second opinion?

Call today for a no-cost, no-obligation assessment and review.

(636)447-1169