Retirement Planning


Everyone dreams of a safe, secure, and fun retirement.  Finding a clear path to retirement involves more than simply investing in a retirement plan and hoping for the best. There isn’t a one size fits all plan.  Each person and couple should study and plan for their unique needs both today and in the future.  Circumstances change through the years and so should your retirement planning to fit those circumstances.  Both long-term and short-term requirements must be considered.

The professionals at ClearPath Advisory Group can help you with a strategy that considers your goals and what is necessary to attain them based on your time horizon and the risks you are willing to take to get to that comfortable retirement you want.  We will work with you through the years to make sure you are on track leading up to and after retirement.


If you wish you had more money put away for retirement, you’re not alone.  In fact, half of Americans are at risk of being unable to maintain their pre-retirement standard of living in retirement. Center for Retirement Research at Boston College, National Retirement Risk Index, January 2021


How much will you need?

When considering how much you need in retirement your financial professional from ClearPath can help you.  Among others, you need to consider things like the lifestyle you want when you retire, your retirement age, your Social Security benefits & when you elect to take them, your company pension benefits, the rate of inflation, income tax rates, and your health.


Where will your retirement money come from?

  • Social Security retirement benefits
  • Part-time job
  • IRA
  • Roth IRA
  • Company-sponsored retirement plan
  • Pension
  • Savings
  • Inheritance

Assuming an extended retirement

You may potentially need income for 25+ years post retirement. NewRetirement/Retirement Planning/Life Expectancy by County: WHERE You Live May Suggest HOW LONG You Live, Kathleen Coxwell July 7, 2020

  • A 65-year-old man can expect to live, on average, until age 84 *
  • A 65-year-old woman until age 86.5 *
  • About one out of every three 65-year-olds today will live past age 90 **
  • One in ten will live past age 95 **
  • * Social Security 2022
  • ** American Psychological Association “Life Plan for the Life Span”  © 2018