Plan for Income
You Can Count On
At James Investment, we work with you to design a retirement strategy that seeks reliable income and confidence in your investments so you can focus on enjoying what matters most.
✓ Over 50+ Years Serving Individuals & Families
✓ Local, Independent, Personalized Planning
✓ In-House Team of Professionals
Free Retirement Review
(No cost, no obligation, 60 minute retirement review)
Clarity Starts Now
Replace Guesswork with Confidence
Retirement planning starts with a clear understanding of how much you’ll need to maintain your lifestyle. We consider factors like spending, healthcare, inflation, and life expectancy. Using advanced tools and personalized assessments, we project your future expenses and income, laying a solid foundation for your retirement plan.
As you progress through retirement, and as your life and financial situation evolve, we’ll continue to refine your plan to ensure it meets your changing needs.
A Strategy Built Only For You
A successful strategy is tailored to your unique financial situation and goals. We help you create a diversified portfolio through 401(k) plans, IRAs, pensions, and other investments that balance growth and risk. Your plan aligns with your long-term objectives, ensuring financial security in retirement.
Guidance You Can Trust
Steady, Ongoing Support Year-Round
As life changes, so does your plan. Our proactive approach to retirement planning helps keep you on track to reach your goals.
Quarterly Financial Check-Ins
We schedule regular reviews throughout the year, in-person and via phone, to ensure your retirement plan remains aligned with your evolving goals and circumstances.
Market and Economic Updates
We provide continuous insights and advice on how market changes or new economic conditions may affect your retirement strategy.
Lifestyle Adjustments
Whether it’s healthcare needs or new life goals, we’re here to adjust your financial plan to suit your changing lifestyle during retirement.
Beneficiary and Estate Planning
As life progresses, we help ensure your estate plan remains up-to-date, so your wishes are carried out seamlessly.
YEARS
EXPERIENCE
FEE-ONLY
ADVISORS
PROPRIETARY
MUTUAL FUNDS
INDEPENDENT
RESEARCH
First Meeting Expectations
Clear Next Steps
During your consultation, we’ll discuss:
- 401(k) investment suggestions
- Retirement scenarios preparation
- Tax-efficient distribution strategies
- Social Security timing
- Pension benefit election analysis
Plan for 45-60 minutes, in person or virtual. Bring recent account statements and your Social Security estimates if you have them readily available. We will discuss goals, review your accounts, and outline decisions ahead. You will receive next steps and a timeline moving forward.
FAQs
Your Questions Answered
How much should I save each year for retirement?
The general recommendation is to save at least 15% of your pre-tax income each year. However, this percentage can vary based on when you start saving and your retirement goals. Starting early allows your savings to benefit from compound interest, significantly increasing your retirement fund over time.
What are the key differences between a 401(k) and an IRA?
A 401(k) is typically offered through an employer and may include matching contributions, while an IRA is an individual account that offers more investment options. Both have tax advantages, but contribution limits and withdrawal rules differ. Understanding these differences can help you decide which is better suited to your needs.
When should I start collecting Social Security?
The age at which you start collecting Social Security can significantly impact your benefits. While you can start as early as 62, waiting until your full retirement age (typically 66 or 67) or even 70 can increase your monthly payments. The right time depends on your health, financial situation, and retirement goals.
How do I account for healthcare costs in retirement?
Healthcare is one of the largest expenses in retirement, and it’s essential to plan for it. Medicare provides some coverage, but you may need supplemental insurance or a health savings account (HSA) to cover out-of-pocket expenses. We help you estimate these costs and incorporate them into your overall retirement plan.
What should I do if I’m behind on my retirement savings?
If you’re behind on your savings, it’s important to take immediate action. Increase your contributions, delay retirement if possible, and explore catch-up contributions if you’re over 50. Re-evaluating your retirement goals and adjusting your investment strategy can also help you get back on track.
