Working with Retirees

Couple in a boat on the water in front of a mountain


Planning for retirement is one of my primary focuses.  I'll assist you in understanding where you are today, what will be required for retirement, and what you will need to do between now and then.  To do this effectively, I will discuss pertinent questions such as:

  • When should you be taking Social Security? 
  • How long will your money last? 
  • How much money do you need to retire?
  • Is an annuity right for you? 
  • Are you prepared for potential future medical expenses? 

Retirement Plan Distribution Strategies

I will also assist you in evaluating your retirement savings alternatives, including 401(k) accounts, traditional IRA, Roth IRA, SEP IRAs, and SIMPLE IRAs, and/or direct rollovers. During our meetings, I will discuss questions such as:

  • Can I leave this account where it is?
  • Should I move my money to my new employer's plan?
  • Should I cash out?
  • What are the features of a direct or indirect IRA rollover?
  • Should I convert to a Roth IRA?
  • Must I pay tax on this money?
  • When do penalties apply?  Am I entitled to favorable tax treatment?
  • What is the growth potential for this money?

While these are just some of the questions we will discuss during our consultations, my process involves a comprehensive evaluation of your finances and wealth management plan to help ensure continuity throughout your life.


Click here to view My Process


Decisions to roll over or transfer retirement plan or IRA assets should be made with careful consideration of the advantages and disadvantages, including investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and your unique financial needs and retirement planning.  Neither Stifel nor Stifel Financial Advisors provide recommendations with respect to rollovers from an employer-sponsored retirement plan.  Once you inform your Stifel Financial Advisor that you have chosen to roll your retirement assets to an IRA with Stifel, your individual investment needs can be addressed.  You should consult with your tax advisor regarding your particular situation as it pertains to tax matters.