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thomas.koleski@cedarcapital.com
312-285-5737

RETIREMENT INCOME PLANNING

Cedar Capital Advisors offers financial and retirement planning services consisting of a comprehensive evaluation of a client’s current and future financial state by using currently known variables to attempt to predict future cash flows, asset values and withdrawal plans.  Clients purchasing this service receive a written report which provides the client with a detailed financial plan designed to assist the client in achieving their financial goals and objectives.

How are We Different?
As fiduciaries, Cedar Capital Advisors (an independent fee-based financial planning firm), believes that having a comprehensive financial plan in place may be the single most important aspect when it comes to planning for retirement.  We take time to educate our clients on everything from fees to asset allocation and everything in between.

Financial plans may address any or all of the following areas:

PERSONAL: review of family records, budgeting, personal liability, estate information and financial goals.

TAX & CASH FLOW: income tax and spending analysis and planning for past, current and future years.

INSURANCE: assess the need and inquire if policies are in place for proper coverage of life, health, disability, long-term care and liability.

INVESTMENTS: analysis of investment alternatives, risk tolerance, time horizons and their effect on the client’s portfolio.

RETIREMENT: analysis of current strategies and investment plans to help the client achieve their retirement goals.

DEATH & DISABILITY: review cash needs at death, income needs of surviving dependents, estate planning and disability income.

Frequently Asked Questions:

— Will my money last through retirement?

—What are my retirement investment options?

— How long do I have to work to achieve my retirement goals and objectives?

— What risk might I need to take in order to achieve these goals and objectives?