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Retirement Planning

Planning for retirement takes careful strategy. To get started, we’ll take you through a step-by-step process to help determine your retirement needs. From there, we’ll offer a plan that is suitable for you. At Noll Financial Services, we want to help make sure this season of your life is truly rewarding.

Important Facts

There are usually three main sources of income to draw from at retirement:

  1. Social security
  2. Employer qualified retirement benefits
  3. Personal savings and investments

Retirement planning consists of marshaling the resources from all three of these to assure a financially rewarding retirement.

Items We Address

  • Qualified retirement plans in variety— defined benefit plans, defined contribution plans of the money purchased pension and profit sharing types, target benefit plans, Keogh plans for the self-employed, and section 401(k) plans
  • Simplified employee pension plans (SEPs);
  • SIMPLE retirement plans
  • Individual retirement accounts or annuities (IRAs) including Roth IRAs
  • Section 403(b) plans also called tax-sheltered annuities or TSAs
  • Rollovers direct rollovers and direct plan-to-plan transfers
  • Section 457 deferred compensation plans for certain employees in the government and not-for-profit sectors of the economy
  • Pension income supplemental life insurance
  • Qualified vs. Nonqualified Accumulations
  • How Lifetime Required Minimum Distributions Work
  • Traditional vs. Roth IRA
  • Incidental Life Insurance in Qualified Retirement Arrangements
  • Profit-Sharing Arrangement
  • Survivor Supplement Retirement Income Funded with Life Insurance