Retirement Planning for Women

According to the U.S. Bureau of Labor Statistics, on average a female retiring at age 55 can expect to live another 271/2 years. And of the 60 million wage and salaried women working in June 2002, just 47 percent participated in a retirement plan.

Women have special needs. According to the National Center for Health Statistics, women live longer than men.

The Certified Financial Planners™ at Robert J. Reby & Company know that women have to plan with these facts in mind. Planning for retirement and your “golden years” requires an understanding of your finances, your retirement options and managing your investment portfolio.

Another area where women are often the primary emotional support—taking care of elderly parents and loved ones—requires a full understanding of budget, options and possibilities for long-term care.

Whether you are married, divorced, single, widowed or planning a second marriage, knowledge of your financial picture can only serve your best interests in the long run.

Many of the same strategies the Reby team uses for retirement income planning for couples applies to you, too.

With the Robert Reby team of retirement financial planners, here are a few financial and retirement planning tactics that may apply to your personal financial situation:

  • Semi-annual meetings to review progress toward your goals, discuss changes in your financial situation and make any recommendations to further your progress.
  • Survivorship Life Insurance. Protect your retirement portfolio from estate and tax consequences. Survivorship life insurance is particularly important for retirement planning for women.
  • Long-term care. Protect your assets from the ravages of elder health care costs. Women are often charged with caring for elderly relatives or ailing spouses or children. Long-term care insurance is one way of making sure your children are not burdened with your elder care needs. It can also ensure continuity of care for ailing spouses or children.
  • Income advice. What’s the best way to take retirement income? What are your pension payment choices and required minimum distributions? We work out the details with you and, if applicable, your partner or husband, one-on-one.
  • Communication of new strategies. New financial planning strategies can have potential usefulness to meeting your goals (i.e. Roth IRA).
  • Budgeting. You receive timely advice on issues relating to budgeting to meet your financial goals and retirement goals.
  • Effective Estate Tax Planning. Effective estate tax planning is a key element in your overall estate planning, retirement planning and investment planning as you work toward your goals and ambitions.

It’s never too early to start planning for your retirement.

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Tell us your story. Tell us what you’re looking for, what your hopes and dreams for retirement are. We’re here to listen.

There are no commission-based salespeople at Robert Reby & Company, so there will be no sales pitch. You are under no obligation with this consultation. We value your time, your privacy and your goals.

A financial consultation is the first step toward your financial independence.

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