Retirement & Financial Planning
Retirement Planning That Helps You Make the Most of What You've Built.
Retirement Planning That Helps You Make the Most of What You've Built.
Retirement Planning That Helps You Make the Most of What You've Built.
Turn your retirement savings into sustainable income, manage investment risk, make informed tax decisions, and prepare for life's unexpected expenses.
Clarity Today. Confidence Tomorrow.
Clarity Today. Confidence Tomorrow.
The Challenge
You've Built Your Retirement Savings.
But Will They Last?
You've spent decades working, saving, and investing for retirement. Now the questions have changed.
Will your retirement income last as long as you need it?
Could a major market decline change your retirement plans?
Are you paying more taxes than necessary?
How would an unexpected long-term care event affect you or your spouse?
These concerns are common, even among people who have prepared responsibly.
The strategies that helped you accumulate savings may not be the same strategies you need to generate retirement income.
Understanding the difference is an important first step toward building a more coordinated retirement strategy.
A Better Way
Four Important Decisions. One Coordinated Retirement Strategy.
Four Important Decisions. One Coordinated tirement Strategy.
Four Important Decisions. One Coordinated Retirement Strategy.
Your retirement income, investments, taxes, and financial protection needs are connected.
How you withdraw money affects your taxes.
How you invest affects your income. And unexpected expenses can change your retirement outlook.
A coordinated approach helps you understand how these decisions work together, evaluate potential risks, and identify opportunities to improve your financial flexibility.
The goal isn't simply to grow your money. It's to make informed decisions that help you enjoy the life you've worked so hard to build.
Our Services
Retirement Planning Built Around Your Life
Every retirement is different. Your strategy should reflect your financial circumstances, priorities, and the life you want to enjoy.
Retirement Income Planning
Take an integrated approach to retirement income that considers taxes, inflation, and market returns to help support your desired lifestyle throughout retirement.
Retirement Tax Planning
Explore tax-aware withdrawal strategies, Roth conversions, RMDs, IRMAA, and opportunities to manage lifetime taxes.
Investment Management
Balance long-term growth potential with risk management appropriate for your retirement goals, while exploring emerging opportunities in digital assets, artificial intelligence, robotics, and other transformative technologies.
Long-Term Care Planning
Evaluate strategies that may help offset future long-term care expenses while preserving access to your funds for other retirement needs.
Why Work With Us?
Experience Matters. Especially When Your Retirement Is at Stake.
With over 30 years of financial services experience, Rick Dwyer brings a personalized, education-focused approach to helping individuals and couples navigate retirement.
Rather than focusing on individual products, Rick helps clients understand how retirement income, investments, taxes, and protection strategies fit together.
Through convenient virtual consultations, clients can explore their options, ask questions, and make informed financial decisions.
Good financial advice should make complex decisions easier to understand, not more complicated.
Your Success Drives Our Success.
At Arum Planning, we believe our success should be tied to yours. As fiduciary advisors, we are committed to putting your interests first when providing investment advice, helping you make informed decisions and building a retirement strategy around what matters most to you. Our goal is to build lasting relationships where your financial progress remains at the center of everything we do.
The Virtual Advantage
Personal Guidance. Wherever Life Takes You.
Retirement should give you the freedom to enjoy life on your terms. At Arum Planning, we believe your financial planning experience should offer that same flexibility.
Like many people approaching retirement, Rick Dwyer and his wife, Violy, dreamed of traveling the country and enjoying the freedom of the RV lifestyle. Today, they are doing just that, living full-time in their RV, exploring new places, and enjoying the experiences they worked hard for, while Rick continues to serve clients through personal virtual consultations.
Whether you are at home, traveling, or enjoying time with family, we can meet face-to-face through video, review your financial plan together, and discuss important decisions without the need to visit an office.
Your retirement plans should not be limited by geography. Neither should your financial guidance.
Our Process
A Clearer Path Forward
We believe retirement planning should be understandable, personal, and guided by your goals.
Understand your financial position, priorities, and concerns.
Explore coordinated strategies built around your goals.
Evaluate your options and make informed decisions.
Review and adapt your strategy as life changes.
Retirement Questions and Next Steps
Questions Worth Asking Before Retirement
How do I know if I've built enough savings to retire?
The answer depends on more than your account balances. Your expected expenses, Social Security benefits, other income sources, taxes, inflation, and investment strategy all influence how long your savings may last. A coordinated retirement income analysis can help you evaluate different scenarios and identify potential shortfalls.
How can I create retirement income without taking unnecessary investment risk?
Retirement income planning involves coordinating dependable income sources with investments and withdrawals. The appropriate balance depends on your spending needs, available assets, time horizon, and risk tolerance. The goal is to develop an income strategy that doesn't depend entirely on favorable market performance.
Can better tax planning help my retirement savings last longer?
Potentially. The timing and source of retirement withdrawals can affect your tax liability and long-term financial flexibility. Strategies involving Roth conversions, required minimum distributions, and the coordination of taxable and retirement accounts may help manage taxes, depending on your circumstances.
What happens if the stock market declines during retirement?
Market declines can be especially challenging when you're withdrawing money from investments. This is known as sequence-of-returns risk. A retirement strategy can evaluate asset allocation, income sources, cash reserves, and spending flexibility to help manage this risk.
How should I prepare for long-term care expenses?
Long-term care planning starts with understanding potential care needs, available financial resources, family preferences, and funding options. Planning ahead can help you evaluate how an extended care event might affect your income, savings, and loved ones.
Can I work with the practice if I live in another state?
The practice is designed as a virtual retirement planning practice. Meetings take place through personal video consultations, making it convenient to receive guidance from home. Advisory services are available in states where the advisor and firm are appropriately authorized.
Your Retirement. Your Future. Your Next Step.
You've worked hard to build your financial future. Now discover how thoughtful, coordinated retirement planning can help you make the most of it.
Take our 2 to 3-minute quiz to identify your primary retirement concerns and receive a personalized educational summary.
Meet personally with Rick Dwyer to discuss your retirement priorities, ask questions, and explore appropriate next steps.
Clarity Today. Confidence Tomorrow.
Personal Video Meetings
Meet face to face without traveling to an office.
Interactive
Planning
Review scenarios together through screen sharing.
Include Your Family
Invite your spouse or appropriate family members to join remotely.
Convenient Scheduling
Enjoy focused meetings that fit your schedule.
Personal Video Meetings
Meet face to face without traveling to an office.
Interactive
Planning
Review scenarios together through screen sharing.
Include Your Family
Invite your spouse or appropriate family members to join remotely.
Convenient Scheduling
Enjoy focused meetings that fit your schedule.
Thoughtful, fiduciary retirement advice delivered through a personal, convenient virtual experience.
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