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RETIREMENT PLANNING

Retirement Planning is crucial to the making sure you don't run out of money in retirement while maximizing your retirement lifestyle. Our portfolio strategy relies on dividend income so that you can live on passive income rather than having to liquidate portfolio holdings. This is in contrast to a fixed income portfolio (also known as a bond portfolio) that usually does not appreciate in value and faces additional, unique risks that bonds face. These additional risks include but are not limited to default risk, liquidity risk, prepayment risk, interest rate risk, credit risk, reinvestment risk, interest rate risk, exchange rate risk, volatility risk, call risk, etc. While many of those risks are out of our control, we can eliminate or mitigate similar risks by utilizing our dividend portfolio strategy which allows for appreciation of your portfolio as well as steady income.

 

We make sure that once you retire and the paychecks stop, you can live in confidence and know that you're financially sound. We can guide you through retirement and navigate many things such as:

  1. Social Security- when to start taking benefits and how it will affect your retirement

  2. Estate Planning- how to transfer your wealth and leave your legacy

  3. Pensions-  help you determine whether to take the monthly payments or the lump sum

  4. Taxes- what is the most efficient way to derive income when you have tax-deferred, tax-free, and taxable accounts, how to lower your tax liability

  5. Healthcare- often times forgotten in retirement plans, but how do we account for additional healthcare costs as you age

Whatever your situation is, at Cullen Investment Group, we are here to help. We strive to have an intimate client-advisor relationship so that we can understand your wants, your needs, and your expectations and then surpass them. You only have one retirement, so let us help you get the most out of it.

Watch this video to learn more about Dividend Investing.

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Planning

Planning

Planning

What Makes Us Different

FEE-ONLY

We do not work on commission. We are always on the same side of the table as you, providing advice that is in your best interests.

What Makes Us Different

FEE-ONLY

We do not work on commission. We are always on the same side of the table as you, providing advice that is in your best interests.

FIDUCIARY

We are a fiduciary, meaning we hold ourselves to the highest standard of client care. We are bound by law to only ever act in our client's best interests

EMPLOYEE-OWNED

Employee ownership means we’re a truly independent firm and focused on the long term needs of our clients.