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Kiely
Capital Management Will Help You Find the Answers
When you plan your
financial future with Kiely Capital Management, we will help you make informed
decisions. We will help you clarify the many uncertainties and unknowns that
make thinking about retirement somewhat frightening at times. This is the time
to enjoy your life’s labors. You need not make insufferable decisions
that will affect the golden years for you and your family.
Kiely Capital Management
will help you explore and resolve questions concerning:
Retirement
- Should I take early
retirement, or am I making a terrible mistake?
- Can I afford to retire,
or should I work for a few more years?
- Should I begin receiving
Social Security as soon as I am eligible or should I wait?
- At what rate can I spend
my savings so that I don’t have to cut back later in retirement?
- If I work part-time
during retirement, will it make a big difference?
401(k)
Plans and Pensions
- What should I do with
my 401(k) Plan?
- Should I convert my
IRA or 401(k) to a Roth IRA?
- If an enhanced pension
is available until I am eligible for Social Security, should I take it?
- Should I take my pension
in a lump sum or as a monthly annuity? Should a monthly annuity be over my
life or both myself and my spouse’s life, or term-certain?
- When am I required to
begin withdrawals from my IRA account? Should distributions be over my life
or both myself and my spouse’s life? Is the term-certain or the recalculation
method better for us?
Investments
- How should my savings
be invested so I won’t run out of money?
- Should I pay off my
home mortgage now that I am retiring?
- Should I keep my house
or should I move to a smaller place?
- What should I do with
my unexercised stock options from work?
Standards
of Living
- What will inflation
do to my standard of living while I am retired?
- How will my spending
patterns change throughout my retirement?
- Will I be able to afford
to buy a new car from time to time when I am retired?
- What effect would moving
to a less expensive part of the country have on my standard of living?
- Will I be able to afford
to make sizeable gifts of money to my children, or will I regret it later?
Insurance
- What should I do with
my life insurance during retirement?
- If my spouse or I required
a prolonged period of nursing home care, would we be able to afford to keep
the house and our standard of living?
- Can I self-insure for
long-term health care or should I buy insurance for all or part?
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