How Much Money Do I Need to Retire?
The most common question people nearing retirement have is how much money they’ll need in order to be able to retire comfortably.
Fourth Dimension Financial Group has spent decades helping families in the Waterville, Ohio area build and maintain their retirement plans, allowing people to retire with confidence and with more income than they often thought possible. Working with an experienced team who knows where many retirement plans can fall short leads to stronger planning solutions and ultimately, greater peace of mind for those seeking to enjoy a decades-long retirement.
Take Control of Your Retirement Journey Today!
For every complex problem,
there is an answer that is clear, simple, and wrong.
- H.L Mencken
To help you meet your retirement goals, we offer comprehensive retirement planning in Waterville, Ohio.
At Fourth Dimension Financial Group, we’ve helped hundreds of families in the Waterville, Ohio, area plan for a secure and fulfilling retirement. Our experienced team offers personalized retirement planning services, including retirement income planning, investment management, and proactive tax planning, all designed to meet the unique needs of our Waterville clients. Whether you're looking to optimize your Social Security benefits or need guidance on trust and estate planning, we are here to provide expert advice and support. In serving the Waterville area, we take pride in being a trusted resource for our local community, helping you achieve peace of mind and financial confidence in your retirement years. Contact us today to learn how we can help you build a brighter financial future right here in Waterville.
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Ready to retire in Waterville, Ohio with confidence?
Most Common Questions to Ask a Retirement Advisor
Navigating the stressful life transition of retirement in Waterville, Ohio can make finding customized financial advice feel like an overwhelming challenge. The best financial advisors for retirement will help you navigate three big questions facing you in your retirement planning.
You have unique financial needs to be addressed, yet many of the resources available for retirement planning appear contradictory or one-size-fits-all. Having appropriate and retirement-specific tools, retirement calculators, and strategies focused on your specific needs can make a tremendous difference.
Retirement planning can be overwhelming and mistakes can be financially devastating. The truth is, if any one area of your planning is neglected, the results can be financially catastrophic and most people only retire once.
A trusted guide to retirement can lead to invaluable peace of mind and vastly improved total outcomes. However, finding the right advice-givers can be confusing and downright frustrating. With so many advisors, financial product salespeople, and institutions competing for your attention, how do you know whom to trust with your life savings?
Fourth Dimension Financial Group helps you save time, plan right, and retire the way you’ve always wanted. While great effort has been made to remain small, client-focused, and high touch, there are multiple income planning and investment management teams across the country, working to ensure our client families receive world-class solutions. These vast resources allow your local advisory team serving Waterville, Ohio to bring you large firm planning expertise, without large firm bureaucracy and pricing.
Your Local Northwest Ohio Advisory Team
Fourth Dimension Financial Group is more than meets the eye. While great effort has been made to remain small, client-focused, and high touch, there are multiple income planning and investment management teams across the country, working to ensure our client families receive world-class solutions. These vast resources allow your local advisory team to bring you large firm planning expertise, without large firm bureaucracy and pricing. Proudly serving Toledo, Bowling Green, Sylvania, Perrysburg, Waterville, Findlay, and the adjacent regions of Northwest Ohio and Southeastern Michigan.
Transparent Fee Structure
While we’re transparent in our fees, each client and plan is custom built so fees will vary depending on the nature and complexity of the work we’re hired to do. For investments that we manage for clients, we charge a very transparent percentage of the value of the account with no added transaction fees. Some clients' plans may benefit from insurance products like annuities, long term care insurance, or life insurance. With these strategies, the insurance company pays us a direct fee while the client does not, so these assets are not included in the investment management fees we charge. We’ve benchmarked our fees against the large full-service Wall Street firms as well as online do-it-yourself options and we’re confident that you’ll find our fees to be commensurate with the value we provide.
Our Services
Portfolio Tax Efficiency
We help you optimize your investment returns through effective portfolio tax minimization strategies. We work to reduce your tax liability, allowing you to keep more of your hard-earned money and enhance your overall financial well-being.
Risk Management
Our risk management services are designed to protect your assets from unforeseen events and market fluctuations. We assess your risk exposure and implement strategies to safeguard your financial future, ensuring you are prepared for any challenges.
Investment Management Services
Our investment management services focus on building and maintaining a diversified portfolio that aligns with your risk tolerance and financial objectives. We aim to enhance your returns while minimizing risk, while keeping your retirement goals in clear focus.
Pension Decision Planning Services
Our pension income analysis service helps you make informed decisions about your retirement income options. We evaluate your pension plan and provide strategies to optimize your benefits, ensuring you have a stable and secure retirement.
Trust and Estate Planning Services
We work closely with estate planning and legal professionals to ensure your wishes are met and your legal documents like wills and trusts are in place. The goal is a smooth and tax-efficient transition of your assets, while protecting you and your loved ones.
Tax Planning
We help anticipate and plan for tax savings opportunities in a number of key areas: retirement income tax planning, tax sensitive portfolio management, Roth conversions, and much more. By remaining proactive about taxes, we increase the odds of avoiding unnecessary taxes owed now and into the future.
Retirement Income Planning Services
We provide comprehensive retirement income planning to ensure you have a reliable and sustainable income throughout your retirement. Our strategies are designed to align with your goals and lifestyle, giving you confidence in your financial future and added peace of mind.
Social Security Claiming Planning Services
Our social security claiming service provides expert guidance on optimizing your benefits. We help you navigate the complexities of Social Security, ensuring you make informed decisions that enhance your retirement income and overall wealth.
Long Term Care Planning Services
We assist you in planning for future healthcare needs with our long-term care funding solutions. Our goal is to ensure you have the resources to cover potential medical expenses, to protect your assets, and to provide peace of mind.
Mark and Patty's Retirement Transformation
Expert Planning in Waterville, Ohio
Mark, 65, and Patty, 54, are seasoned engineers from Waterville, Ohio approaching retirement. They have saved over $2 million, along with multiple retirement plans and pensions, including Mark’s military pension. Although they excelled at saving, they lack the expertise to build a lifetime income plan that considers their age difference. They seek financial services such as Long Term Care Planning, Social Security Timing, Investment Management, and Estate Planning coordination, considering Fourth Dimension Financial Group for their strong reputation.
Hopes and Dreams
- Financial Security: Achieving a stable and reliable income plan for retirement.
- Charitable Giving: Supporting causes they care about.
- Personal Fulfillment: Focusing on projects like volunteering and spending time at their lake house.
Fears and Concerns
- Healthcare Costs: Uncertainty about future expenses and market fluctuations.
- Age Difference: Managing the impact on retirement planning.
- Tax Efficiency: Navigating tax implications and RMDs.
Decision Criteria
- Expertise: Seeking a team approach with mastery in financial planning, preferably with a CFP(R) credential.
- Comprehensive Approach: Valuing a holistic, methodical planning process.
- Reputation: Trusting Fourth Dimension’s proven results.
How We Helped in Creating a Lifetime Income Plan for these Waterville Retirees
Through our comprehensive planning process, we provided Mark and Patty with a reliable, written plan. Using our ‘SIPS Retirement Income System’, we secured their income while considering their age gap. We offered flexibility to adjust income sources, optimizing tax planning and meeting lifestyle needs. By consolidating their assets into a cohesive, tax-efficient plan, we appealed to their analytical mindset.
With reliable income in place, they gained confidence to increase charitable contributions, through future Qualified Charitable Distributions (QCDs) and gifting appreciated assets, knowing they wouldn’t face financial surprises.Additionally, we developed a Roth Conversion plan to keep them in the 22% tax bracket, saving future taxes.
Thanks to Fourth Dimension Financial Group’s guidance, Mark and Patty enjoy a fulfilling retirement, free from financial stress, with time for travel, grandkids, and supporting the charities they love in the Waterville, Ohio area and beyond, secure in the knowledge they have a dedicated team to support them.
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Fourth Dimension Financial Group
27121 Oakmead Dr. Suite B
Perrysburg, OH 43551
Phone: 419-931-0704
Email: dave@fourthdimensionfinancial.com
