In this day and age where life expectancy is much longer and Social Security and Pension Plans are not guaranteed, retirement planning is crucial in stabilizing a secure financial future so you can live a much more fulfilling life now. Especially with expansive healthcare changes, retiring in this century can be more of a mystery. GRA CPA strives to provide personal, hands-on service so we can collaborate with you to answer all your questions and ultimately create a tailored Retirement Plan to fit all your expectations. Key Attributes for Successful Retirement Planning:

Identify and compare your income and expenses to determine any shortfalls or surpluses.

We review and compare various retirement income strategies and retirement income options in order to satisfy your short and long term goals.

Develop an action plan that aligns your needs and expectations to the perfect retirement plan.

Review where you are financially and whether your retirement goals have changed quarterly and semi-annually.

We work earnestly to help clarify your financial decisions to ensure an adequate cash flow that allows you to live a comfortable lifestyle long after you’ve quit working. To ensure that your Retirement Plan uniquely embodies your financial circumstances and retirement goals, we explore and consider different potential scenarios and guide you through all the forks down the road. We also understand that your retirement goals may be very different from your neighbor’s or even your spouse’s, so we take the time to piece together the right fragments to create the perfect custom model of tax savings  and potential retirement benefits.

It can be easy to choose the wrong Retirement Plan that doesn’t embody what you ultimately need or expect. Learn how to start avoiding common mistakes by downloading the 5 most common retirement planning mistakes.

As you begin this collaborative retirement planning process with us, you will immediately begin to build confidence in making financial choices that truly align your wealth to your values.

We Offer Our Expertise in Different Types of Retirement Plans and Tailor them to Your Lifestyle and Values:

• Individual Retirement Arrangements (IRAs)
• Roth IRAs
• 401(k) plans
• 403(b) plans
• Simple IRA Plans (Savings Incentive Match Plans for Employees)
• SEP Plans (Simplified Employee Pension)
• SARSEP Plans (Salary Reduction Simplified Employee Pension)
• Payroll Deduction IRAs
• Profit-Sharing Plans
• Defined Benefit Plans
• Money Purchase Plans
• Employee Stock Ownership Plans (ESOPs)
• Government Plans
• 457 Plans
• 409A Nonqualified Deferred Compensation Plans
• Cash Balances
• Annuities
• Target Benefit Plan