Retirement Planning AAA Program: Active Account Accumulator Process(For Retirement Planning)Client’s Role – contribute to the plans below and stay committed. If you are just starting and you are age 25, your guideline contribution rate is 15%; age 35, then your guideline contribution rate is 20% and age 45, then your guideline contribution rate is 40%Employer Plan - contribute (pretax and/or after tax) enough to get the full matchRoth IRA - if your joint Modified Adjusted Gross Income (MAGI) is less than $193K (2019), then max out the contributions to each spouse's account as follows If age 50 or younger, contribute $6K (2019) a year or $500 a monthIf age 51 or older, contribute $7K (2019) a year or $583 a monthEmployer Plan After Tax - if offered, invest here if your MAGI exceeds the individual Roth IRA limitsJoint (or individual) Account - an additional strategic option for retirement savings that doesn't have the age limits, contribution limits or withdrawal requirements of tax favored accountsInvestment TeamReview each account quarterly and make investment changes to improve the account(s)Rebalance the account(s)Financial Advisor's Part – Planner, Advisor, Coach and “Quarterback”Know the client’s goals and wishesDetermine the client’s risk tolerance, recommend improvements and recommended the best strategy for each accountFacilitate an annual strategy review meeting/callDevelop a coordinated financial plan which ties everything togetherRetirement PlanTax PlanInvestment PlanInsurance PlanEstate PlanLegacy PlanGiving PlanThis page is designed to provide accurate and authoritative information on the subjects covered. It is not, however, intended to provide specific legal, tax, or other professional advice. For specific professional assistance, the services of an appropriate professional should be sought. Get Access to Exclusive Content This page is only available to members of our community. Join us today and get full access. First Name Last Name Email Address Thank you! Oops!