Retirement Planning

Many people work hard, make the right decisions, and set aside money for their retirement years.

However, despite all of that hard work, managing finances in retirement can still remain a mystery. The role of retirement planning is to remove the mystery and give people a clear path forward as they near and enter retirement. For retirement planning in Oregon and across the country, our team of CERTIFIED FINANCIAL PLANNER™ professionals are here to guide you through the process.

Nothing changes life like retiring from a lifetime of hard work. It’s important to have the right financial plan in place so that you can live the retirement you have been working so hard for. At The H Group, we take a complete look at your retirement picture and provide personalized solutions for you and your family that change as your life does. Our financial advisors have over 80 years of experience building and maintaining retirement plans for people from all walks of life with a wide range of retirement goals and dreams.

One of the most important aspects of retirement planning is cash flow planning. As the pay checks stop coming in, retirees must evaluate their income options, whether it’s Social Security, pension options or drawing on their hard earned investments. Examining expenses, planning for purchases, and making all of these aspects of retirement work together seamlessly is an essential part of planning for retirement years. Timing withdrawals, managing tax burdens, and building an efficient cash flow strategy can be a complicated aspect of retirement without the help of experienced professionals.

Will there be enough?

This is a common question we hear from our client families. Ensuring that there is money available throughout retirement is a critical consideration. 

You have saved for years to enjoy retirement and it’s our job to help make sure your savings are there in years to come. Building a portfolio that’s appropriate for your needs in retirement is key. We take a complete view of your needs, goals, and risk tolerance to customize an investment portfolio that allows for growth while managing downside risk.

Finally, retirement planning is never something that is set in stone. A good financial plan is a living, breathing thing. We connect with our client families regularly as the inevitable changes of life occur. There is no one-size-fits-all solution to retirement planning. Rather, retirement planning is a hands-on, continuous process that requires care and attention to detail.