Retirement Planning

To hit your long-term retirement goals, staying focused and investing regularly is key. At BirdRock Wealth, we can help you understand the fundamentals of consistent savings and how to help secure your retirement. We believe that setting up automatic investments each month is an easy way to stay on track. Prioritizing your goals and minimizing debt can also have a significant impact on retirement planning. However, it can be challenging to keep things in order and on track. That’s where our team comes in. We’re here to guide you through the process and answer any questions you may have along the way. There are various options you may want to consider to help you plan and save for retirement. Our team can assist you in determining which options are best suited to your financial situation and retirement goals.

IRA

Saving for retirement is crucial, and individual retirement accounts (IRAs) can be an effective tool to help you reach your goals. A traditional IRA allows you to make tax-deductible contributions, and any earnings on those contributions can grow tax-deferred until you withdraw them in retirement. Additionally, if you are over 50, you may be eligible to make catch-up contributions of up to $1,000 per year, providing an excellent opportunity to boost your retirement savings. Let us help you understand the benefits of IRAs and how they can fit into your overall retirement strategy.

Roth IRA

A Roth IRA offers an alternative approach to traditional IRA accounts, allowing you to make contributions with after-tax dollars. One of the main benefits of a Roth IRA is that your contributions and earnings have the potential to grow tax-free. Additionally, qualified withdrawals in retirement are tax-free and penalty-free, as long as certain conditions are met.

401K Rollover

Changing jobs is a common occurrence during one’s career and it may involve moving your retirement savings from a 401(k) to a Rollover IRA. By doing so, you can potentially access a broader range of investment options and receive personalized guidance to help you reach your retirement goals. At BirdRock Wealth, we can assist you in this process and provide the support you need to make informed decisions about your retirement savings.

Fees

Opening and maintaining a retirement account with us is included when you become a valued BirdRock client with no annual fees associated with your IRA, Roth IRA, or Rollover IRA. Our goal is to help you save for your future without adding any unnecessary financial burdens, so you can stay focused on your retirement goals.