Retirement Advsiors
Serving clients throughout New England and nationwide, specializes in wealth management and estate planning.
Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.
Retirement Advsiors is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.
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Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
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Apply Discipline
A Retirement Strategy Designed for You
Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.
03
Communicate Progress
Our Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
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Have a Question?
Questions That Need Answers
| When can I retire without any concerns? | What types of products should I invest in? | Should I pay-off my mortgage? |
|---|---|---|
| What if I work until age 65? | What are the differences in tax clarifications? | What order do I withdraw from my accounts |
| What if I lose my job? | Should I move money from one account to another? | How can I alleviate negative cash flows? |
| What if I don’t get a salary increase? | What rate of return should I expect? | How can I keep my Medicare payments low? |
| What if I become disabled? | How much would I pay in taxes on these accounts? | How can I alleviate tax on my Social Security? |
| Will it help if I work a part-time job? | How can I take care of my tax problem now? | What happens to my family if I die early? |
| Should I contribute to my accounts from my wages? | What happens if taxes go up? | How much life insurance do I need? |
| Which account(s) should I contribute to? | Will a Roth Conversion help? | What happens to my family if I need LTC? |
| When should I start my Social Security benefit? | Should I start an HSA? | Can an adverse market movement affect us? |
| What if we were wrong on Social Security COLAs? | How much time should I put into my expense plan? | Can you structure my plan to leave a legacy? |
| Do I take my pension monthly or lump sum? | What if I don’t have expenses for a lifetime? | What do I do when circumstances change? |
Here For You
Meet The Advisor
Rich Bean CFP®
President and CEO
Rich Bean is the President, CEO, and founder of The Retirement Advisors, an investment, estate and financial planning firm, located in Manchester, NH. He is a well-known specialist on issues affecting senior investors. Since 1990, he has been advising retirees and those about to retire on how to preserve their hard-earned capital, increase their income and more profitably organize their investments. People who consult Rich find that they lower their tax bills by as much as 50%, reduce taxes on their Social Security income, increase their fixed monthly income and obtain better protection for their financial future. He has advised retirees of various companies such as IBM, AT&T, Verizon, HP/Compaq, Anheuser Busch, Lockheed, BAE Systems, Raytheon, CMC and Elliot hospitals, Comcast, Coca-Cola, Amazon, FedEx, UPS and USPS to name a few. His ongoing retirement planning seminars have been widely attended by individuals who have learned simple steps to ensure their future.
Rich is a Retirement Planning Expert who has often been a keynote speaker for both professional and private organizations; discussing issues, problems and solutions affecting retirees and those soon-to-retire; for all their financial and retirement needs. He has helped countless people and organizations embrace innovation, resources and resolutions to help make their retirement a financial success. Rich’s unique ability to simplify complex issues, challenges and ideas; and connect them to real-world financial solutions has made him a sought-after expert for audiences and businesses alike.
Rich capitalizes on his specialized background to produce positive results for his clients. He has 35 years of experience in the financial services industry, working for a top financial firm for 9 years before starting his own firm 26 years ago. Rich has been a guest speaker at numerous groups and associations including local Rotary and Lions Clubs, Men’s, Women’s and Senior organizations, employers, churches, schools and municipalities.
Additionally, as an adjunct professor, he has provided professional education classes to accountants, attorneys and other financial professionals on various topics related to financial and retirement planning. Additionally, he has actively participated in his community for 15+ years, coaching local youths in various sports and activities to help promote teamwork, personal growth and good sportsmanship.
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Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
Our Downloads
Ultimate 401(k) Guide
The 401(k) is one of the most important retirement planning tools we have. You pay into it for decades and will likely rely on it, among other income sources, for many more decades in retirement. The potential tax benefits and power of compound returns can make it a great savings and investment tool for retirement. But to make the most of these accounts requires an informed strategy.
Our Blog
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Understanding the Difference Between Income Tax and Capital Gains Tax
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Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
