Retirement can feel complicated and overwhelming when you consider all of the planning uncertainties ahead of you, like, What happens if my health care needs change or if the markets shift? And then there’s the ultimate anxiety, Am I going to run out of money or am I going to be OK?
But the truth is everyone who has ever thought about retirement has asked themselves these and other questions—and for 30+ years Bill has been providing straight answers and sound advice to a small, select clientele across the country. When you have a trusted advisor at your side with the right experience and credentials, you’ll be rewarded with an understanding of what works best, what pitfalls to avoid, and how to enjoy your retirement lifestyle with less stress and worry.
Bill Losey Retirement Solutions (BLRS) is a boutique, fee-only registered investment advisory firm specializing in helping women and couples age 50+ cultivate retirement confidence, resilience and optimism.
The biggest retirement questions have always been the same.
Intelligent Retirement and Investing Strategies
The most common retirement questions are difficult to answer confidently on your own. But when you plan properly and proactively, you can avoid the missteps that can put a lifetime of savings, retirement dreams and generational legacies at risk.
Unbiased fiduciary advice
BLRS has the depth and breadth of capabilities to work through these questions systematically, while providing:
Goals-based investment and allocation strategies
Predictable and sustainable lifetime retirement income streams
Tax and risk management strategies to help minimize the potential for loss
Future-focused longevity planning for women (before the loss of a spouse)
Guidance around pensions, IRA rollovers and retirement accounts
The support of insurance, tax, estate, and investment specialists
The Top 10 Retirement Questions We Help Answer
How much money do I need to retire and what’s the best way to invest it?
When can I retire and what’s the best age to retire?
Is my asset allocation too conservative or aggressive?
How much money can I take out and how long will it last?
How do I create a predictable income in retirement that’ll keep pace with inflation?
Should I downsize and/or relocate to a different state?
What’s the most efficient way to reduce my tax burden?
What’s the best age to start collecting Social Security?
How will I plan and pay for my health care and/or long-term care?
How do I preserve my independence and not burden my family?
We put the dollars and cents aside to talk about life. Through a series of open-ended questions, we explore your core values and aspirations, and identify key issues that could make your life simpler, happier and more fulfilling.
We remain your retirement advocate through ongoing personal communication and coaching. Offering unique tools to help you stay on track, we work with you to continually replace uncertainty with confidence.
Retirement Assessment and
Next, we conduct a thoughtful and thorough analysis, and use an advanced risk profiling tool based in behavioral finance theory. BLRS summarizes the findings in a clear, one-page action plan that illustrates your financial strengths, weaknesses, opportunities and threats.
Portfolio Design and Implementation
You receive a customized asset allocation recommendation, lifelong retirement income plan and a scientifically balanced portfolio. With the Safe Money Benchmark Strategy™, your goals—not an arbitrary benchmark—guide the investment process.