Individuals & Families

Nearing Retirement

With retirement approaching, plans must be adjusted to protect your assets and strategies put in place to provide you with the retirement income you need. We work with our clients to help them address many important questions as they approach retirement: AAA-Near-Retirement.jpg

As we approach retirement, how should we adjust our investment strategy and savings plan to optimize income in retirement?

How do we incorporate the timing and options of pension and social security income streams into our planning?

How do we prepare for health care costs in retirement?

How do we reduce market volatility as we approach retirement?

How do we incorporate the effects of inflation on our retirement spending needs?

How do we prioritize our goals and ideal retirement scenario into a cohesive retirement plan?

Living In Retirement

We are passionate about efficient wealth creation and distribution strategies to ensure you can live the retirement you deserve while passing down your family values and wealth to your future generations. Through coordination and collaboration with other professionals, including legal and tax professionals, we work with you to prepare the next “greatest generation”: AAA-In-retirement.jpg

How do we put together a legacy plan for our children and grandchildren?

How do we position my investments to maximize income without taking too much risk?

How do we make sure our estate plan represents my wishes and minimizes my tax burden?

How do we plan for my next chapter when we may need help or assistance?

How do we incorporate charitable gifting and bequests into our planning?

How do we foster sound family financial values across generations?



 


Wells Fargo Advisors and its affiliates do not provide legal or tax advice. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.

Planning For Life Events

There are many important transitional events that families experience including: marriage, divorce, career change, children, retirement, home purchase, education and more.  These events represent both the joys and the challenges of life. With a vested interest in our clients’ long-term success, we work diligently to ensure our clients are prepared to meet life’s milestones: AAA-Planning-Life-Events-II.jpg

  • How much do we set aside for our child or grandchild education?

  • How much do we need to be setting aside for retirement now?

  • How will a job change at this point in our career effect our retirement planning?

  • Can we afford to have a second home?

  • What insurance coverages do we need to protect our family and assets?

  • How do create a new roadmap for my own retirement after divorce?

Coughlin & Chesna Financial Group of Wells Fargo Advisors

Investment and Insurance Products are:

  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

This information is intended for use only by residents of (AR, AZ, CA, CO, CT, DC, FL, GA, HI, IL, IN, KS, KY, LA, MA, MD, MI, MT, NC, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WY). Securities-related services may not be provided to individuals residing in any state not listed above.

For parties residing outside of the U.S., this information is: (i) provided for informational purposes only, (ii) not and should not be construed in any manner as an offer to participate in any investment or to buy or sell any securities or related financial instruments, and (iii) not and should not be construed in any manner as a public offering of any financial services, securities or related financial instruments. Products and services listed may not be available, or may have restrictions, depending on client country of residence.

Investment products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company.

Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

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