Retirement Planning

Regardless of your stage in life, retirement planning poses fundamental questions:


  • How much should I save?
  • What investments should I make?
  • How much income do I need in retirement?
  • How much income will my savings generate?
  • Is it enough, or will I outlive my money?
  • Will I have money to leave to my children?

These questions require sophisticated analysis. We can help you answer them according to the goals and lifestyle you desire in retirement, and during accumulation.

Retirement planning is our specialty, and we offer distinct advantages:

Income that Lasts an Exact Time

Most retirement planners focus upon your lump sum portfolio, asking “What is the probability your money will not run out?” They strive for a high probability, commonly 85 to 95%. Yet, the probability of success is never 100%. And, even a 90% confidence level means 10% of clients can expect to run out of money prematurely.

Our advisors believe retirees cannot afford such insecurity over their nest egg. We offer a patented process that establishes a fixed time length for your income stream. You choose the exact time period the income will endure, so you don’t need to worry about it running out.

Higher Anticipated Safe Withdrawals

Typical lump sum planning methods require smaller withdrawals to reduce the risk of premature savings depletion. Usually this means lower income for you, and an excessively large inheritance for your heirs.

Our advisors can help you fully enjoy your savings. By establishing a definite time period for retirement income, higher safe withdrawals can be anticipated. You choose whether to plan for an inheritance or not.

Simple Implementation at Your Custodian

Our advisors create and monitor your plan according to your goals. You maintain your assets wherever you like, including discount brokerages with low fees. We provide simple instructions to set up the allocation, re-balance yearly, and for those who are retired, calculate regular withdrawals. Or, if you prefer, we can help you make these arrangements.

Guideway Financial offers a comprehensive suite of services to fit your needs.

Transparent Fees

Our advisors do not receive sales commissions, 12b-1 fees, referral fees, or any other incentives. We work for investors only and strive to minimize conflicts of interest by using a transparent structure without hidden fees.

Would you like to have confidence in your retirement plan, rather than worry about your money running out? Contact us to learn more about our retirement planning.