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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 match
    • Roth 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 month
      • If age 51 or older, contribute $7K (2019) a year or $583 a month
    • Employer Plan After Tax -  if offered, invest here if your MAGI exceeds the individual Roth IRA limits
    • Joint (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 accounts
  • Investment Team
    • Review 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 wishes
    • Determine the client’s risk tolerance, recommend improvements and recommended the best strategy for each account
    • Facilitate an annual strategy review meeting/call
    • Develop a coordinated financial plan which ties everything together
      • Retirement Plan
      • Tax Plan
      • Investment Plan
      • Insurance Plan
      • Estate Plan
      • Legacy Plan
      • Giving Plan


This 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.

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