Getting retirement ready

When you think about preparing for retirement, questions emerge. You may wonder how what you’ve saved stacks up against the average, or how long it needs to last. Or you might be thinking about whether you have the right investment mix for this stage of life – and market environment. We can help address all of this and more. After determining where you stand, we can help you make the most of your hard-earned income and account for the expected and unexpected in your retirement planning.

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We can help you plan ahead of your retirement and consider what the next phase looks like.

Determine revenue and distribution strategies alongside Social Security
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Preserve your standard of living smartly for decades to come
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Comprehensive wealth transfer strategies that honor your intentions
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Minimize your tax burden through smart tax optimization strategies
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Thoughtful planning for future healthcare and long-term care needs
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Prepare for scenarios when life’s most unexpected events hit
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Leave uncertainty behind

As you approach the end of your career, you may have questions about preparing financially and emotionally for what comes next. With us by your side, you can feel confident you’re making the right decisions – big and small – as you enter this new chapter of life.

See the retirement readiness checklist

How hard is your money working for you?

We can offer insights into managing and preserving wealth efficiently and effectively, personalized to your time horizon and financial situation. Retiring on your terms doesn’t have to be complicated.

Milestones

5 years from retirement

This period is about knowing your numbers. We can help you:

  • Determine what your expenses and income will be
  • Forecast your healthcare costs and plan for them
  • Explore when to claim Social Security to time it right for you and your family

10 years from retirement

You can accelerate savings once eligible for catchup contributions at age 50. We can help you:

  • Take things like inflation into account in your financial plan
  • Revisit your retirement goals and asset allocation
  • Prepare for scenarios where circumstances cause you to retire early

Asset allocation does not guarantee a profit nor protect against loss.

20 years from retirement

These may be your peak earning years, so make the most of them. We can help you:

  • Identify savings strategies to pursue your goals
  • Balance saving for a child’s education with saving for retirement
  • Review insurance policies to ensure they meet your needs

The cusp of retirement

You’ve come a long way, but there are crucial tasks still to tackle. We can help you:

  • Restructure your portfolio for retirement
  • Take a tax-efficient approach to retirement income
  • Think through your vision of living in retirement

Related Resources

Practice makes perfect when it comes to retirement.
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Retirement & Longevity
Do you know what it takes to work toward a secure retirement? Use this calculator to help you create your retirement plan. View your retirement savings balance and your withdrawals for each year until the end of your retirement. Social Security is calculated on a sliding scale based on your income. Including a non-working spouse in your plan increases your Social Security benefits up to, but not o...
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Retirement

Wherever you are in your journey to retirement, we can be your guide.

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2026 Forbes Best-in-State Wealth Management Teams


The 2026 Forbes ranking of America’s Best-In-State Wealth Management Teams, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone and in-person due diligence interviews, and quantitative data. This ranking is based upon the period from 3/31/2024 to 3/31/2025 and was released on 01/07/2026. Advisor teams that are considered must have one advisor with a minimum of seven years of experience, have been in existence as a team for at least one year, have at least 5 team members, and have been nominated by their firm. The algorithm weights factors like revenue trends, assets under management, compliance records, industry experience, and those that encompass best practices in their practices and approach to working with clients. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. Out of approximately 12,787 team nominations, 6,149 advisor teams received the award based on thresholds. This ranking is not indicative of an advisor's future performance, is not an endorsement, and may not be representative of individual clients' experience. RIA firms do not pay a fee in exchange for this award/rating. Compensation provided for using the rating. Ismert-Barger Wealth Advisors is not affiliated with Forbes or Shook Research, LLC. Please see https://www.forbes.com/lists/wealth-management-teams-best-in-state for more info.