But most financial firms take one of two approaches: growth or security.
Both routes come with significant risks.
If you go ultra-safe and focus on maintaining what you have, you could be forced to sacrifice your lifestyle as your savings get smaller or you experience an unexpected expense.
Meanwhile, if you focus solely on growing your wealth through investments, what happens if there’s a market crash like in 2008? When your assets deflate, you risk losing it all or being forced to scrounge by while you wait for the market to recover.
Even if you’re lucky enough to never experience a market crash during your retirement, your wealth can easily be drained away by taxes.
I am a CERTIFIED FINANCIAL PLANNER™ and founder of Secured Retirement – a retirement planning firm headquartered in Minneapolis. As a CFP® professional, our Twin Cities firm is held to a fiduciary standard, meaning we must put your interests above our own.
Our mission is to create comprehensive TaxSmart™ Retirement plans so you can maintain your lifestyle through retirement without having to stress about your finances.
Chances are, you’re in one of two camps when it comes to planning for retirement. If you’re being proactive, you’re addressing the coming challenges in retirement before they happen.
How much money have you saved for retirement? How much of it is inside an IRA, or 401K? Let’s say you’ve saved $250,000 in one of these tax-deferred accounts. You know it’s not really 250 grand, right?
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“We plan for emergencies, so you’re always taken cared of and your retirement is never threatened.”
Ryan is dedicated to serving clients to achieve their retirement goals. Ryan’s holistic approach centers on wealth management strategies with a focus on income planning throughout retirement. As a Financial Advisor, Ryan is an Investment Adviser Representative (IAR), life and health insurance licensed and a Certified Tax Preparer. Ryan is a graduate of the University of Minnesota, with an Accounting and Finance major.
Ryan is a lifelong Minnesotan originally from Woodbury and currently residing in Bloomington with his wife, Riamae, and their rescue Terrier Beagle mix, Douglas. He and his family are avid travelers in their free time. Ryan enjoys playing golf and poker, and describes himself as a major foodie enjoying new restaurants around the cities whenever possible. He is a sports fan especially when the Vikings and Timberwolves are playing.
