Guiding Principles and Comprehensive Services

EmpoweringFinancial Futures

  • Guiding Principle: Empowering Financial Progress
  • Independent, Fiduciary Investment Advice: Putting You First
  • Lifelong Partnership with Your Financial Planner: Evolving Retirement Plans
  • Integrated Approach to Financial Well-Being: Beyond Retirement
  • Wealth Management Strategies: Maximizing Returns, Minimizing Tax, Mitigating Risk
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Let's Talk About Retirement Planning
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When you work with us, you get a lifelong partner – a dedicated financial planner – who creates strategies designed to evolve with you. Because you are likely to spend 20 or more years in retirement, you may need help making financial decisions as you age. Just fill out the form to get a complimentary guide and take the first step

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Immediate annuities

Immediate annuities offer an instant and guaranteed income stream in exchange for a lump-sum payment, calculated based on preset annuity factors

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Variable annuities

Variable annuities grow based on market investments, offering potential growth and income in the future, but with fewer guarantees and the risk of decreasing in value.

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Fixed index

Fixed annuities offer future income through lump-sum or periodic payments, providing stability and growth at a fixed interest rate for the annuitant.

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Registered annuities

Registered index-linked annuities (RILA) offer growth potential for retirement assets with protection during market downturns, aiding in achieving financial retirement goals.

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Fixed index annuities

Fixed index annuities combine market growth potential with premium protection, linking to indexes like the S&P 500 with capped growth and a minimum guaranteed interest rate for loss prevention.

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Elevated Assistancefor an Ever-Changing
RetirementLandscape

Our planners provide a holistic view of your financial landscape, understanding that retirement planning extends beyond investments. Leveraging extensive tools and expertise, they meticulously examine your assets, income, and savings. This comprehensive approach allows them to tailor a roadmap to your ideal retirement and broader financial goals. By considering every aspect of your financial life, they ensure a thorough understanding of your unique circumstances. With their guidance, you gain clarity and confidence in navigating the complexities of retirement planning. Trust in their expertise to steer you towards a secure and fulfilling financial future.

frequently asked questions

RetirementPlanning

Why should I have a retirement plan?
Ensure a worry-free retirement with a personalized plan from Edelman Financial Engines. Don't let the fear of outliving your savings overshadow your golden years. With tailored strategies, we'll help you maintain your desired lifestyle and financial security.
When should retirement planning begin?
Start securing your retirement from day one with early planning, ideally from your first paycheck. The sooner you begin, the longer your money can work for you. If you haven't started yet, there's no better time than now to kick off your retirement savings journey.
What factors do I need to consider when planning for retirement?
Crafting retirement goals takes time, but devising a funding strategy is even more complex. Predicting withdrawal timing and amounts across various accounts amidst market volatility is daunting. Yet, there are tailored planning and income strategies to boost your confidence in navigating these challenges.
How much will health care cost in retirement?
Healthcare expenses loom large in retirement, with the average cost for a 65-year-old couple hitting $315,000 in 2022. But relying solely on averages leaves you vulnerable to potential higher costs. Your plan must include a cushion and adaptability to accommodate unforeseen changes in your healthcare needs.
Should I consider annuities in my retirement plan?
Diverse sources fuel your retirement income, including fixed ones like Social Security and pensions. Factor in tax implications and distribution rules to optimize your plan. Utilize some sources early while delaying others strategically. Rely on personalized guidance from an Edelman Financial Engines planner to tailor decisions to your needs.
Why should I work with a financial advisor on my retirement planning?
Partnering with Martillo Capital isn't just about managing your wealth; it's about crafting a personalized roadmap to your financial future. We're here to decipher the puzzle of your financial life, identifying missing pieces and creating a comprehensive plan tailored to your aspirations. Trust in us to weave together your retirement vision into a cohesive, goal-driven financial strategy.
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