A Better Way Financial

Empowering Your Dreams

Retirement Income Planning

One of the biggest fears people have going into retirement is running out of money. At A Better Way Financial, we’re here to help you find the strategies and tools that work for your retirement goals and dreams to help avoid that problem from happening both now and in the future.

One of the first steps to working toward a stress-free retirement is finding out just how much income you would like to live on in retirement and where that money is going to come from. Without a solid income plan in place, you will be left feeling uncertainty and doubt.

We believe that you should be able to tranquilly transition into retirement knowing exactly how much income you need, where it is coming from, and how to weather things like market fluctuations, tax law changes, and inflation.


Goal Setting and Status Updates

You have been accumulating for your retirement your whole life. Now you have clear goals in sight for your ideal retirement, but how do you achieve them? Having a goal-oriented retirement plan in place is a great place to start.

When you come in for your complimentary retirement analysis, we sit down and have a candid conversation with you about your goals: financially, professionally, and what you want to do for fun in your retirement years. We then combine our industry knowledge alongside your goals and wants to provide a written plan that can help you accomplish those goals.

We work hard to help you stay on track through life’s events while keeping your personal goals at the forefront of our mind. Life and tax laws are constantly changing, and your financial plan needs to continuously be reviewed to ensure it is keeping up with those changes!


A robust plan for utilizing Social Security in your retirement is an important part of any retirement income plan. Even though the rules on Social Security have changed drastically over the years, it is still crucial to understand when is best for you to begin taking from Social Security and how to maximize its benefits.

By strategizing with A Better Way Financial, we can help you to understand when to claim Social Security as well as how to distribute your other sources of income from pensions, investments, rental properties, etc. in a tax efficient manner.


There is nothing more important in money management than protecting yourself against major market losses. Recouping losses in retirement is a daunting task which is why we work to protect your hard-earned savings.

You don’t have to look back too far in time to find periods of recession and loss: remember 2000-2002, 2008 and March of 2020? If you were invested in the stock market during these times, there is a strong possibility that you experienced loss, just as so many others did. What happens if we have another period like this while you are retired and drawing an income from your savings?

At A Better Way Financial, we understand the importance of not letting recessionary periods like those described above affect you heavily in retirement. That is why we offer a variety of options that can help mitigate your risk of market loss while still providing potential for growth and safety.


One of the ways we help to mitigate risk and manage your “safe money” at A Better Way Financial is with fixed index annuities (FIAs). FIAs are tax-deferred, long-term savings options that provide protection from losses when the market has a downturn, while still providing a potential for gains during an upmarket.


If you are nearing retirement or perhaps you have already taken the plunge, we perform a complimentary analysis of your investments and recommend strategies to make your portfolio more tax efficient. We also have conversations about your cash flow, do we need to take out more or less? If you are a client who is in savings mode, we look at your income versus your budget, and help find ways to maximize your savings. We discuss IRA to Roth IRA conversions and insurance planning when appropriate.


Schedule your complimentary retirement analysis today!

Take the next step in your retirement planning journey with A Better Way Financial. Fill out the form below to secure your time today! You may also call (610) 440-1700 or email nicholas@abetterwayfinancial.com.

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