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What is Retirement Theory?

Retirement Theory is the embodiment of our planning philosophy.

Over the years, we have studied numerous retirement planning processes, each with their own strengths and limitations. Our approach relies on rational, researched, evidence-based planning strategies.

We believe that retirees should strive to eliminate as much risk as possible to secure their essential needs. Projections and averages are important, but in retirement you only have one shot to get it right. From that perspective, the cost of failure is exceedingly high. Much like Maslow’s Hierarchy of Needs, we must cover essentials first before attempting to cover our wants and wishes.

Finally, we are keenly aware that retirement planning processes continue to evolve. To that end, we are staunch proponents of continuing education. And while our guiding principles remain the same, we embrace the changes that may improve our clients’ outcomes over time.

Together, these principles make up "Retirement Theory"!

Straightforward Malta, NY Retirement Theory




Transparent Malta, NY Retirement Theory




Comprehensive Malta, NY Retirement Theory




Ongoing Malta, NY Retirement Theory




Retirement planning is an ongoing process. As your life evolves, so does your financial picture. Taxes and law changes are perpetually in a state of flux. Market conditions shift, and your tolerance and ability to take risk do too. Even your priorities may change over time. We are there by your side, every step of the way, to guide you through the financial journey of retirement.







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