Charlotte, North Carolina – Wealth Guardians and The Ray Financial Group, a financial advisory firm specializing in retirement planning, has announced its Custom Retirement Paycheck Plan. This comprehensive retirement planning tool provides a roadmap illustrating sources of retirement income, tax and risk mitigation strategies as well as ways to optimize social security benefits over their lifetime.
Planning for retirement without the guidance of professionals can be complicated. By participating in the Wealth Guardians’ Custom Retirement Paycheck Plan process, retirees see how their savings will be used to create a reliable retirement income stream and make adjustments, if needed, while there is still time.
Replacing a work paycheck requires a comprehensive and solid strategy unique to individual circumstances. Creating a robust plan can help retirees with budgeting, giving them the confidence to spend what they have worked so hard to save.
This is where Wealth Guardians’ Custom Retirement Paycheck Plan comes into the picture. It illustrates in black and white a customized retirement income plan that is comprehensive, and based on effective strategies that balance growth with adequate downside protection to optimize their clients’ retirement income. The firm’s meeting process begins with a ‘get to know you’ session to identify their clients’ goals along with a deep dive into their current situation and concludes by providing a written plan that includes:
• A side-by-side comparison of the client’s current plan along with its risks and fees against the firm’s recommendations and associated risk and fees
• A detailed plan for retirement income along with a Social Security optimization report
• Future considerations for tax efficiency and long-term healthcare costs
There is much more to retirement planning than merely saving in an IRA or an employer-qualified retirement income plan. As RICP®s or retirement income certified professionals Wealth Guardians and The Ray Financial Group have specific certification that delve much more deeply into details that will impact retirement income giving them peace of mind that their retirement savings can last much longer
When a client partners with Wealth Guardians to build their custom retirement paycheck plan, the result will be a comprehensive strategy that reflects the client’s risk tolerance and income needs fully tailored to meet their unique situation.
“Our financial and retirement planners have worked with clients throughout Charlotte and the Winston Salem region for more than 30 years by offering strategies to protect income and optimize Social Security. Whether you’re an individual, a family, or trust, our firm maintains the highest standard of fiduciary duty in serving you. This always drives us to look for the best course of action rather than just a suitable one. It’s our passion and goal, and guides all aspects of the decisions involved in your retirement planning,” said Doug Ray, President and Founder of Wealth Guardians.
About Doug Ray
Doug Ray has been a financial advisor for more than 33 years. He was born and raised in North Carolina, graduated from East Carolina University and served 8 years active duty in the US Navy before becoming a financial professional. Doug has guided hundreds of families in the Carolinas to transition successfully into retirement, confident in knowing they have secured protected income that supports their needs and lifestyle.
About Wealth Guardians and The Ray Financial Group
Wealth Guardians is a North Carolina-based financial advisory firm with more than 20 years of expertise working with those close to or in retirement. Their financial advice has helped clients identify and achieve their retirement goals so they can stop worrying about outliving their money and get on with enjoying the rest of their life.
Investment advisory and financial planning services are offered through Alphastar Capital Management LLC, a SEC registered investment adviser. Wealth Guardians and The Ray Financial Group and Alphastar are separate and independent entities.
Company Name: Wealth Guardians and The Ray Financial Group
Contact Person: Doug Ray
Email: Send Email
State: North Carolina
Country: United States