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Income Planning

Making sure your assets can generate the retirement income stream you need today and keep up with the rising cost of living that inflation pressures can exert requires expert planning.

Which income streams do you have control over?  Some like Social Security and pensions are automatic.  Others like distributions from your retirement and investment accounts or annuities require specific decisions as to when and how much you should take out.  Some of your accounts may allow you to take a guaranteed income stream that you can’t outlive.

Have you been looking for a way to convert your retirement savings into a dependable stream of income for the rest of your lives? For the past few years, Ashland Financial Resources has been helping people do exactly that.

After working so hard to create your retirement savings, it is of paramount importance that your insurance and annuities be tax-efficient and principal-protected. With recent fluctuations in the stock market, seniors can ill-afford to see their savings dwindle because of high taxes or stock market loses. Of equal importance is the need for sufficient asset growth to combat the erosive effects of inflation and low interest rates on your retirement nest egg.

Furthermore, your assets should not be concentrated in any one investment or investment type, but should be diversified among several, high quality investments. Our strategy responds to all of those issues: tax, stock-market risk, inflation, asset growth and diversification.

Helping you plan your income in the most tax efficient manner to meet your needs involves a well thought out plan to evaluate your special needs concerning risk of assets, liquidity needs for emergencies and feeling comfortable with the possible changes in your income needs from changes in the cost of where you live to changes in the cost of your health care.

Call Ashland Financial Resources at 530-823-6023 or Contact us today for a free, no obligation 3 Step Review to see how Income Planning can put Peace of Mind into your future retirement income needs.

We are eager to work with you, your tax advisor and legal counsel to meet your important financial needs to provide you with a regular retirement income. Please call our office at 530-823-6023 at your earliest convenience for a no-obligation discussion of your specific situation.