Mastering Your Financial Future:
Investment & Retirement Expertise
Comprehensive investment and retirement services
By specializing in pre- and post-retirees near or in the retirement zone (the five years prior to leaving your job), we focus on creating a client-advisor relationship that provides a comprehensive step-by step action plan to addresses these important areas: cash reserves, debt management, insurance, tax efficient strategies, and asset allocations. These areas are explored in detail through the following services offered at our firm.
Investment Management
Proactively managing, monitoring and adjusting your investments is important to getting the most out of your assets. We will work with you to determine your risk tolerance, short and long-term goals, and timeline horizon to make sure your portfolio supports your unique situation. We will take a close look at your exposure to market risk and tax implications with your investment selections. No matter what phase of life you are in—growth, preservation or protection—let’s make sure your assets are balanced and positioned to meet your needs.
Retirement Income Planning
One of the biggest concerns clients think about as they approach retirement is: Have I saved enough to last the rest of my life? We can assess your situation by reviewing your accounts and then use data to make projections. We can suggest strategies to improve your chances, potentially offering additional income streams and stability. Our review will cover investment and retirement accounts, defined benefit pensions, Social Security benefits and other income sources.
Legacy &
Estate Planning
Our Legacy and Estate Planning Package offers a comprehensive approach to protecting your wealth and creating a lasting impact. Our team of professionals will work with you to craft a personalized plan that distributes your assets according to your wishes, minimizes taxes for your heirs, and helps to ensure your healthcare and financial decisions are made with care, even if you're unable to make them yourself.
Tax Minimization Planning
As you approach retirement, navigating the tax landscape can feel overwhelming. Retirement tax minimization planning helps you make the most of your hard-earned savings. By strategically managing withdrawals from different accounts, like traditional IRAs and Roth IRAs, you can potentially lower your tax burden. Ultimately, effective tax minimization planning contributes to long-term financial stability, giving you the confidence to enjoy your retirement.
5 Simple Steps to a Successful Retirement:
Make Your Retirement a Blockbuster
Do you have doubts about your ability to reach your retirement goals? Are you less than confident about certain aspects of your retirement strategy? Here’s the good news…there’s always time to adjust your plan and get back on track. You can take your retirement strategy from flop to blockbuster with these simple strategies.
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Email: bill@navtherz.com | Phone: (800) 375-2494 | Address: 135 Jenkins St, Suite 105B 269, St. Augustine, FL 32086
Investment advisory services are offered through HBW Advisory Services LLC. HBW entities are located at 2655 1st Street., Suite 250, Simi Valley, CA 93065, (800) 473-3856. Bill Decker is an Investment Advisor Representative. Navigating the Retirement Red Zone LLC, dba Red Zone Insurance Planning, HBW Insurance & Financial Services, Inc., dba HBW Partners, and HBW Advisory Services are separate entities that do not offer legal or tax advice.
Licensed Insurance Professional. We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. 112823 | 15440-17553929
By contacting us, downloading booklets, or attending events, you may be offered a meeting to discuss how our insurance and other services can meet your retirement needs. The presenters of this information are not associated with, or endorsed by, the Social Security Administration or any other government agency.