Retire Road: Our Planning Process

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"Paving your road to success is simple with Calandra Financial. Our proprietary “Retire Road” planning process helps you develop a holistic plan for your entire financial life. It consists of five key components of retirement planning."

-Phil Calandra

Income Planning

Do you how much money you’ll need in retirement? What about where it will come from? Are you planning to keep working? Answering these and many other questions is key for developing a comprehensive retirement plan. That’s why Income Planning is the first step of our Retire Road process.

Investment Planning

Once your income plan is established, we will create an investment plan for the assets you do not need to draw on from month to month. This typically includes assessing your risk tolerance, adjusting your portfolio to reduce fees, establishing volatility monitoring, and minimizing longevity risk.

Tax Planning

Your comprehensive retirement plan will include a strategy for potentially decreasing tax liabilities. We’ll establish if you can benefit from moving money into tax-deferred or tax-free accounts and determine which accounts you should draw income from first to help minimize your tax burden.

Healthcare Planning

We will create a plan to help you address rising healthcare costs with minimal expenses. We’ll review your costs and coverage under Medicare Part A, B, and D, evaluate available Medicare Advantage coverage, and develop a plan for managing long-term care expenses.

Legacy Planning

It is important to ensure that your assets go to your beneficiaries in the most tax-effective and least-painful manner. By working collaboratively with an estate planning attorney, we’ll create a plan that helps protect your assets and reduces the need for the probate process as much as possible.

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As an independent wealth management firm, we represent only the interests of our clients — not those of a corporation or bank. We are committed to guiding those we serve towards and through their retirement years in the smoothest, most comfortable way possible. Investment Advisory Services offered through Calandra Wealth Management, LLC a Georgia Investment Advisor.

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