Stonegate Financial

Jameson Van Houten Published in the Phoenix Business Journal April 2015 Ask the Financial Experts


April 2015- Check out the Wealth Management section of the Phoenix Business Journal’s 2015 Ask The Financial Experts for educational and relevant topics.

Q: What investments should I tap into once I retire?

A: There are a lot of factors to consider beyond your portfolio as we are retiring earlier and living longer than any previous generation. First and foremost, taking funds in an inefficient manner can cost you tens of thousands of dollars, if not more. Do not, nor let your advisor, arbitrarily or out of convenience take distributions from your accounts without considering long-term implications and tax efficiencies. Not all financial planners specialize in retirement distribution planning. The need for asset growth, income requirements of your desired lifestyle, and the impact of taxes all must be examined. Additionally, portfolio allocation must be kept in mind with every decision. Most people generally do not have the time or resources available to accurately determine the perfect balance. Therefore, it is critical to consult with a professional financial planner who specializes in retirement distribution planning.

-Jameson Van Houten, CFP ®

Van Houten, Jameson, (2015 April). Ask the Experts. Phoenix Business Journal.