People Near or In Retirement

If you are already retired or nearing retirement, your financial goals and objectives take on a more urgent focus.  There are crucial decisions to make that can affect your happiness in the next few years and your financial security later in life.  Lumin Financial can partner with you and your family to establish your financial goals and objectives and create a meaningful plan for retirement.

Longer life expectancies, future wage uncertainty, rising healthcare costs, or the need to support aging parents, are just a few issues that can challenge your retirement plan.  Add to that, your habits and desires will likely changes as you get older.

How Long Will Your Money Last?

The prospect of outliving your assets might be a very real concern, and it can depend on a variety of factors, like when will withdrawals begin, how much you’ll “need vs. want,” how long you’ll live, or how a serious illness might impact the family. We’ll help you plan ahead, and anticipate important questions, such as:

  • As financial markets change, how will withdrawals be affected?
  • What’s the best age to start taking Social Security benefits?
  • What is the best Medicare coverage for my situation?
  • As my investments grow, how do I minimize taxes?
  • How do I prepare for unexpected medical, home-health or assisted living costs?



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Investment Updates

Investment advisory services offered through Lumin Financial LLC, which is an independent Registered Investment Adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed on this site.


Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.