• 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.

  • Are You Prepared to Retire in Fitchburg

    After you spend most of your adult life working professionally, it’s time to spend your life doing what makes you happy during your retirement. If you’re close to retirement, you know what you need –- an income of about three quarters of what you earned while employed full-time, as well as money for health care and savings to help you reach your goals like more education, vacations, art projects or a dream home. If you haven’t already, take a careful look at your retirement portfolio and work with a trusted financial professional to make the most of your golden years.

    If your retirement is years ahead, it’s wise to take a careful look at your retirement portfolio and start saving right away. A financial professional or retirement advisor can help you decide how much money to set aside, where to invest your nest egg and how to plan for income taxes.

    How do you Begin Saving?

    Experts ranging from Wall Street brokerages to the U.S. Dept. of Labor to top-tier financial journalists agree: the surest way to plan for your golden years is putting aside savings in your twenties. This means more years for your investments to develop in the stock market, and it means you won’t have to panic toward the end of your career as you get ready for years away from a steady job.

    How We Can Help

    When you’re saving income regularly, you choose where to put your developing accounts. The most often recommended option is to choose a fund with tax perks such as a 401(k) or an IRA, which you set up on your own. Depending on the strategy you choose, you can set aside retirement money before the wages is taxed or you can receive it after retirement without accruing taxes. If you invest without these tax benefits, you will be taxed on the original income and be taxed at the capital gains rate.With the money in your accounts, you can also choose between investing in bonds, stocks, or a group of funds known as a mutual fund.

    Your strategy might adjust as the stock markets change. You can study the basics of developing a strategy for retirement by reading business journalism, but a financial specialist has the knowledge to appreciate all the details. If you find a financial professional you can trust, you will save yourself a lot of trouble and will have more success.

    Set Up an Appointment

    It can be intimidating to set up a retirement fund, but the professionals at Retirement Income Strategies in Fitchburg know retirement planning. In order to reach your dreams and make them a reality, allow us to help. We’ll work carefully with what you already have and grow a durable nest egg to fund your retirement.

    Kristian Finfrock


    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

    Retirement planning is simple when you partner with the wealth management professionals at Retirement Income Strategies.

    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.