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How do you envision spending your days in retirement?
Your conversation with an Ayco coach can help you paint a detailed picture of what you want and help you create a plan you can be confident in by combining best practices with the tools available to you.
Ayco coaches are highly trained in all things retirement planning (from 401(k)s to IRAs and healthcare to Medicare) and your company’s benefits.
To understand where you stand financially today, your coach will ask questions to get to know you, your current situation and your future goals. You can expect questions like the ones below, but you don’t have to have all of the answers when you call; your coach will guide the conversation and tailor your discussion based on your needs and experience.
If you’re approaching retirement
If you are closing in on your retirement age, your coach may complete a retirement analysis with you and send you your full report following your call. The retirement analysis summarizes your current situation, including income and accounts, and projects your future income need each year throughout retirement. You will be able to see if you’re on track for your goals. If you’re not, you will also be able to project the potential impact of some changes that you may make, including saving more or retiring at a later date.
No matter your age
It’s never too early to have a plan! Your coach will help you understand how all the pieces fit together, including the impact your employee benefits and your investments have on your retirement plans. You can complete a risk tolerance assessment and compare your current investments with a diversified portfolio that may be appropriate given your goals, time horizon and comfort level with risk.
From basic to complex, your coach will meet you where you are in your financial life and explain concepts in a way that you understand. Our goal is for you to leave every call with a better sense of where you are now, a plan of action to get you where you want to go and a solid relationship with a coach who can stand by your side on the journey.
If you have Ayco as a company benefit, register or log in to learn more about this and other financial wellness topics. If you’re not sure whether your company offers Ayco Financial Counseling, contact your human resources representative.
For disclosures relating to this article, please click here.
By Brandon Ross
Insights from Ayco InnerCircle 2021