June 6, 2025
Retirement planning is much more than just saving money today. It is about bringing into reality a life where you will be living to the fullest while the world may throw curve balls toward you.
Gone are the days of pension guarantees and worry-free retirement. It is now up to you to design the next phase of your life.
Retirement planning is how you financially, physically, and mentally prepare to enable your requirements once you stop working full-time.
Though, it has become a lot more than a magic number in your savings account.
Retirement planning at Global Invest FS is more of a flexible strategy. It prepares you for:
This is not your grandfather’s retirement. This is your next chapter.
Historically, three pillars have supported the old generation:
These pillars are crumbling today. Employer-sponsored pensions are mostly gone. Social Security is nearly insolvent. And you’re going to live into your 90s.
That reality will require advanced strategies for saving, planning for the long term, and ongoing adjustments for income based on market performance.
In short, you need a plan that changes with your life, not one that represents yesterday’s assumptions.
Growth matters. But keeping what you earn matters more.
Strategies we use include:
Outliving your money is the top fear for most retirees. We counter this with:
We help clients create income that matches their lifestyle and healthcare needs for over 30 years.
Your investment mix should shift over time:
It’s not only about timing the market. It’s about matching your money to your changing needs. Regular check-ins and adjustments help with this.
Healthcare is often the largest expense in retirement. Planning ahead includes:
Retirement doesn’t mean “stopping working.” It could mean:
With longer, healthier lives, many people now fill their later years with active pursuits, whether traveling, enjoying outdoor adventures, or pursuing new interests. This shift requires financial planning that supports both security and freedom.
“Retirement is about choice. More time for biking, RVs, or even launching a new venture at 65.”
Now. Whether you’re 30 or 60, the best time to start is today.
Here’s a guide by age:
Use a combination of calculators, real-life market data, and lifestyle goals to make your plan feel real and reliable.
For a clearer picture of your path, try our retirement calculator. It takes 5 minutes and gives personalized insights.
At Global Invest FS, we believe retirement is an evolving story, not a finish line.
We begin by:
From there, we build a personalized, adaptive strategy that prioritizes:
“We help you solve this modern retirement puzzle, not just with charts, but with conversations that matter”
Retirement is no longer about winding down. It’s about designing how you want to live and ensuring your finances support that vision because you are more likely than previous generations to be an active older American.
At Global Invest FS, we don’t give you a generic roadmap. We build it with you.
There is no such thing as a universal number because each individual will have a different idea of what comfortable means in terms of lifestyle, location, and health.
The common rule of thumb is 25x the annual spending; however, that is too broad for us at Global Invest FS. We have an undetailed cash flow analysis.
Depends on health, spouse, and other income. We help you run breakeven and longevity-based projections.
Mortgage pay-off before retirement usually depends on the interest rate of the mortgage and other asset returns. We analyze that in the context of your entire plan.
Planning for early retirement is thinking about healthcare, avoiding early withdrawal penalties, and accomplishing a portfolio’s longevity.
Definitely. This could reduce your spending stress, giving you a sense of purpose.
We use inflation-adjusted income methodologies and recommend investments that have beaten inflation historically.
Our plans project well into age 100+, so you won’t outlive your assets.
Not really, but we assess your exposure and help you comparison shop, including against self-funding.
Of course, on calling us, an advisor would listen rather than attempt to sell. More importantly, this is your future, and we’d be glad to help.
We provide expert financial advice to both individuals and businesses. With over 30 years of experience our portfolio manager will ensure that you’re always getting the best guidance from the top people in the entire industry.
