- Pre-Retiree -

a few COMMON CONCERNS OFTEN SHARED BY PRE-RETIREES THAT ZORA FINANCIAL CAN HELP RESOLVE:

  • I want an objective opinion on previous advice or product sales.
  • Are my investment allocations optimal?
  • I want to build portfolios across multiple accounts to reduce cost and redundancy.
  • What is the best way for me to pay for the education of my children and/or grandchildren?
  • I want a more customized approach to financial decisions versus the advice from mainstream financial gurus.
  • My accounts keep getting traded, but I don't seem to ever make money.
  • There has to be more to financial planning; why did I only get offered products?
  • Is permanent life insurance appropriate?
  • Should insurance be used as an investing tool?
  • What is a variable or indexed annuity, and is it appropriate for my situation?
  • I want to get organized. I want to have one firm manage everything in a holistic fashion and make it easier on me.
  • I want to have one point of contact for everything.
  • I should have a professional comb through my accounts and reevaluate.
  • I have just received a windfall (inheritance, gift, legal settlement or any other type of lump sum).
    • How does it change life or fit into my plan?
    • How much should be invested, and how will it be managed?
    • What can be done about taxation?
    • What are the withdrawal options?
  • What is the best way to structure my retirement income? (How much can be withdrawn? From which accounts? I want someone to manage my investments.)
  • Are there ways to avoid Required Minimum Distributions?
  • What are RMDs?
  • Should I execute a Roth conversion?
  • When should I start to draw Social Security?
  • What are my options for Medicare?
  • What is the best way to structure Social Security and/or Medicare?
  • What are my pension withdrawal options?
  • I have been trying to save enough for retirement, but now I'm not confident this is enough.
  • How will a major purchase impact my retirement plan?
  • What if I do not want to retire, but I want to take a hiatus at some point?
  • I have been satisfied with my career, but there have been some shakeups at work and I am ready to retire... can I?
  • I want everything to work together so I can quit worrying about whether or not I can retire and start focusing on what retirement will look like for me.
  • What will retirement look like? (We can run multiple scenarios to see the impact different variables make on each client’s plan.)
  • What do other people do when they retire?

CLICK BELOW FOR MORE SPECIFIC CONCERNS.