• Discover the many opportunities available to help secure your financial future through the use of a comprehensive suite of investment and insurance products.

    At Retirement Income Strategies, we can help you determine a strategy appropriate for your financial situation.

  • Retirement Planning Professionals in Fitchburg

    People are right when they named retirement the “golden years”. You’re probably excited for seeing the world and spending down time with your family. However, Getting to your retirement days is a different tale. It can sometimes require decades to prepare for your retirement properly. If you’re ready to reach your dreams, or at least get ready to pay for them, contact Retirement Income Strategies today. Our staff of financial planners are excited to help you reach your goals.

    If your retirement is years in the future, it’s a good idea to take a close evaluation of your retirement portfolio and start saving right away. A financial professional or retirement advisor can help you decide how much money to save, where to invest your nest egg and how best to plan for taxation.

    Creating a Plan For Retirement

    Specialists ranging from the U.S. Dept. of Labor to top-tier financial journalists agree: the best way to start planning for your golden years is putting aside savings in your 20s. This means more time for your money to develop in the stocks and bonds market, and you won’t have to panic toward the end of your professional life as you plan for a future away from full-time work.

    How We Can Help

    After you put aside a portion of your wages for several months, you choose where to put your growing accounts. The most commonly suggested option is to choose a fund with tax perks such as a 401(k) or an IRA (investment retirement account), which you set up on your own. You can set aside retirement money before the money is taxed or you can receive it after retirement without incurring taxes. If you invest without these tax benefits, you will be taxed on the original income and be taxed at the capital gains rate when you earn profits.With the money in your accounts, you can also choose between investing in bonds, stocks, or a group of investments known as a mutual fund.

    Regardless of your initial strategy, know that your plan could adjust as the markets change. You can keep up on the basics of making a strategy for retirement by reading business news, but a financial advisor has the knowledge to appreciate all the details and implications. If you work with a financial advisor you can rely on, you can save yourself a lot of trouble and will have a much higher chance of success.

    Meeting with a Financial Specialist

    It can be intimidating to start a fund for retirement, but the professionals at Retirement Income Strategies in Fitchburg know retirement planning. In order to realize your dreams and make them happen, let us help. We’ll use the assets you have and develop a long-lasting savings fund to support your retirement.

    Kristian Finfrock

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    Our founder and top financial professional, Kristian Finfrock, wants you to maintain a retirement savings that is not majorly impacted by today's volatile market. Contact us at 888.275.3935 to learn more.

    » Learn How

    Ed Slott’s IRA Corner

    Ed Slott runs the Elite IRA Advisor Group dedicated to spread the word about smart retirement strategies.

    Members of Ed Slott’s Elite IRA Advisor GroupTM are dedicated to being leaders in the IRA industry and protecting their clients’ families’ futures.

    » Learn More

    Upcoming Events

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    Our retirement planning professionals offer a number of events to provide education and assistance with senior life insurance, financial planning, and more. Click below to view our upcoming calendar.

    » Calendar of Events

    At Retirement Income Strategies, helping you meet your financial needs is our FIRST priority

    Contact us at info@ri-strategies.com or call us at 888.275.3935 to schedule a time to discuss your financial situation and the potential role of insurance or investments in your financial strategy.