Plan the retirement you want
Retirement Planning
Retirement planning that works for you: know how much you need, when you can retire, and what income you can count on.
Retirement planning that works for you
A Clear Path to Your Next Chapter
Whether retirement is decades away or just around the corner, a plan helps you turn savings, pensions and Social Security into dependable income, and prepares you for the surprises along the way.
Clarity: know how much you need, when you can retire, and what income you can count on.
Confidence: be prepared for market changes, life events or unexpected expenses.
Control: make smart choices today that open more doors tomorrow.
Plans for your situation
Retirement Planning for Every Career
Different careers bring different retirement opportunities and risks. Here's where we focus for each.
Teachers: Maximize What You've Earned
Educators have pensions and plans with their own rules.
Understand your pension: know what your state or district provides and your payout options.
Supplement wisely: consider 403(b) plans or IRAs to fill income gaps.
Plan for healthcare costs: many educators retire before Medicare eligibility.
Retirement planning for teachers →
Small Business Owners: Your Business Is Not Your Retirement Plan
Build wealth outside the business, too.
Separate business and personal wealth: don't count on a sale as your only exit strategy.
Use tax-advantaged accounts: SEP IRAs, Solo 401(k)s and SIMPLE IRAs can lower taxes while growing savings.
Have an exit plan: sale, succession or closure, plan what comes next.
Planning for business owners →
Professionals: Put Your Earning Power to Work
Higher income creates bigger opportunities, and bigger tax questions.
Use workplace plans: max out 401(k)s or 403(b)s and capture employer matches.
Watch lifestyle creep: as income rises, save intentionally.
Plan for taxes in retirement: diversify with Roth IRAs or HSAs for flexibility later.
How Ready Are You for Retirement?
Get a quick estimate with our free Retirement Readiness Calculator, then talk it through with Brian.
FAQ
Retirement Planning FAQs
Straight answers to common retirement planning questions.
Ask Brian a QuestionWhen should I start planning for retirement?
The best time to start is as early as possible, because savings have more time to grow. A detailed retirement income plan is especially valuable in the 10 to 15 years before you stop working, when decisions about savings, pensions and Social Security matter most.
How much money do I need to retire?
A common guideline is to plan for about 70 to 80 percent of your pre-retirement income each year, but the right number depends on your lifestyle, health, housing and other income sources. Our Retirement Readiness Calculator gives you a quick estimate.
What are the biggest risks to a retirement plan?
The main risks are living longer than expected, rising healthcare and long-term care costs, inflation, market downturns close to retirement, and taxes on withdrawals. A retirement plan looks at each of these so you are not caught off guard.
Do you help teachers plan for retirement?
Yes. Educators often have pensions, 403(b) or 457(b) plans and unique Social Security rules. See our retirement planning for teachers page to learn more.
Areas we serve
Retirement Planning in South Elgin, IL
Plan when you can retire and how much income you can count on with Brian Lee, serving pre-retirees and retirees in South Elgin, Elgin, St. Charles, Geneva and nearby towns. Meetings are available online or by phone.
South Elgin, IL
Elgin, IL
St. Charles, IL
Geneva, IL
Batavia, IL
Bartlett, IL
Streamwood, IL
West Chicago, IL
Carol Stream, IL
Carpentersville, IL
Algonquin, IL
Lake in the Hills, IL
Schaumburg, IL
Hoffman Estates, IL
Huntley, IL
Wheaton, IL
North Aurora, IL
Warrenville, IL
Naperville, IL
Crystal Lake, IL
Let's Talk About Your Next Chapter
Contact us today for a personalized retirement check-in, online or by phone.
