A real financial plan
Go Enjoy Life & Live a Worry-Free Retirement
Milestone Money helps you map success to and through retirement.
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Age 50
Eligible to make catch-up contributions.
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Age 59.5
Eligible to withdraw from IRAs without 10% early distribution penalty.
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Age 65
Eligible to claim Medicare benefits.Learn More
Age 70
Maximum Social Security benefit is reached.Learn More
Age 73
Required Minimum Distributions age.Learn More
Age 50
Eligible to make catch-up contributions.
Learn More
Age 59.5
Eligible to withdraw from IRAs without 10% early distribution penalty.Learn More
Age 65
Eligible to claim Medicare benefits.Learn More
Age 70
Maximum Social Security benefit is reached.Learn More
Age 73
Required Minimum Distributions age.Learn More
AFFILIATIONS AND AWARDS
* View important disclosures on awards and affiliations
* View important disclosures on awards and affiliations
OUR CLIENTS
Who We Help
Retirement today is no longer an ending point, but more of a launching point. We help clients adopt a more modern perspective to retirement and to imagine a lifecycle to retirement that includes three distinct phases, each with its own set of concerns and considerations.
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Nearing and Early Retirement
Beginning around age 50, start assessing your financial readiness for retirement. Identify long-term financial goals and define your ideal retirement lifestyle. You have time on your side, in terms of both health span and assets compounding. Get started now so that you can live out your dreams in retirement.
Living in Retirement
Traditionally between the ages of 60-70, many individuals will start retirement and shift from accumulating wealth to drawing down their assets, preserving wealth, and generating retirement income. Time to enjoy the fruits of your labor, but be mindful of your health and invest a little more in relationships.
Legacy Years of Retirement
During the penultimate years of our lives, we find ourselves slowing down as we age. Maintaining health and independence become key priorities, while you thoughtfully de-accumulate assets over the rest of your life. Start planning the legacy you’ll be leaving behind and appreciate how you can maximize the happiness of your family and the next generation.
Our Services
Retirement Management
Retirement management is about more than money: It’s what those assets, investments, or income can produce in terms of life outcomes. Paychecks and play-checks, so to speak. It can mean the financial freedom to travel, give back to valued causes, or start a second act of your career.
Because we only provide retirement management for our clients, we can evaluate and deliver different financial solutions at every stage of your golden years.
EXPLORE OUR RETIREMENT SERVICES
Retirement Planning -
50s & 60s
For pre-retirees or those in early retirement, the first step of launching a plan is embracing a new way of living. That can mean rethinking careers, housing, travel, education, or all of the above. Take some time to thoughtfully consider what this impending, life-changing event will mean.
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Retirement Implementation - 60s & 70s
While living in retirement in your 60s and early 70s, retirees are focused on maximization: maximizing bucket list travel and life experiences, health & fitness, and — of course — wealth. Retirees will spend time getting their financial house in order during this stage as major milestones arise.
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Retirement
Legacy-
70s & 80s
After the mid-70s and beyond, retirees focus on protecting retirement income, managing healthcare & long-term care expenses and updating their estates. A spotlight on healthspan and longevity may mean less energy spent on the financial aspects of life and more time on maintaining the lifestyle.
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Prepared to Work With Us?
Am I A Good Fit?
- I have between $1M - $5M in investable assets.
- I'm 50+ and either retired or planning to retire in the near future.
- I value financial independence and advanced financial strategies.
- I'm ready to transition to a lifestyle with less work and more enjoyment.
- I want guidance from a long-term partner who can help me navigate through life changes.
- I seek to maximize generational wealth.
Want to Chat?
Meet with Randy Dippell, a Chartered Retirement Planning Counselor and an Accredited Investment Fiduciary, about what retirement management may look like for you.
I’m happy to answer your questions. Click below to start a conversation.
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What Makes Us Unique?
A Roadmap for Your Retirement
The key to a successful and stress-free retirement is based on the simple concept of matching a reliable income stream to ongoing consumption needs. Income is the outcome.Milestone Money utilizes a dynamic process that is different than most wealth management firms:
- We recommend utilizing your assets to match your liabilities (your spending in retirement).
- We recommend asset allocations based on your total wealth, not just your financial assets.
- We review your taxes and help you make tax smart decisions.
- We recommend and help implement dynamic safe withdrawal strategies.
- We review and recommend guaranteed income solutions when appropriate.
- We help clients make tax-efficient decisions, to make the most of your assets.
Our goal is to help develop a ‘bullet-proof” plan to provide income that never ends, and funds a legacy for your heirs and charities.The outcome of this process is what we call a Retirement Policy Statement. It’s our roadmap for your retirement. Press the play button on the right to watch a short video on how we do this.
Our Process
Review, Monitor, Reiterate
Contrary to popular belief, retirement is notEasy Street. Trying to coordinate all of your accumulated financial resources and making smart choices about when and how to spend down your money can be a full-time job. A job you didn’t apply for.
Milestone Money crafts personalized retirement roadmaps to help guide your financial planning, tax planning, and investment management in your 50s, 60s, 70s & beyond. Whether you’re just starting to plan for retirement, nearing retirement age, or already in retirement, get the tools & expertise you need to retire with confidence.
Tax Planning
Taxes will be the largest expense you will face in retirement. Proactive tax minimization and tax-efficient distribution strategies will help you keep as much of your hard-earned money as possible.
Investment Management
Investing in retirement should be centered around the idea of life success over market performance. Review and adjust your investment portfolios to ensure they are well-suited for your risk tolerance, time horizon, and financial goals.
Financial Planning
Four fundamental objectives anchor our approach to comprehensive planning: Covering spending needs, providing a protective reserve of funds, addressing financial risks, and mapping out any legacy aspirations.
OUR INVESTMENT PHILOSOPHY
Fee Structure
Our Pricing
We offer a flexible pricing model for our services, based on the complexity of each client’s financial situation.We charge a minimum annual fee of $12,500, which includes investment management, ongoing financial planning and tax planning.Our preference is to provide services for a fixed annual fee, so that there is complete transparency in what our clients are paying for.However, if a client prefers being charged based upon assets-under-management (a traditional approach used by many firms) we will charge 0.95% per year under this kind of arrangement.
Flat FeeMinimum Annual Fee Pricing
$12,500
What will you get
- Personalized Retirement Policy Statement (RPS)
- Investment Management
- Tax Planning
- Liability Driven Financial Strategies
- Estate Planning Reviews
- Social Security & Medicare Planning
- Charitable Giving Strategies
- A Simplified, Integrated, Efficient Financial Plan
For All Of Your Retirement Needs
I'M INTERESTED
Blogs & Articles
Our Latest Retirement Planning Insights
Explore our articles on better managing the retirement experience and maximizing each stage of retirement. Find specialized Milestone flowcharts and checklists that help you address everything from taxes to healthcare expenses to trusts & estates and beyond.
I Made My Last Tuition Payment! Now What?
August 22, 2024
It’s the dream of every parent who has ever helped a son or daughter move into or out of a dormitory: the day when all the tuition and fees are finally paid, and your kid is about ready to walk across the stage and get their college diploma.
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Preparing for Retirement: What Small Business Owners Need to Know
July 18, 2024
What should small business owners be doing to prepare for retirement? Let’s look at three specific action steps that small business owners should take as they begin transitioning toward retirement.
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Retirement Your Way: Looking at Options
June 12, 2024
While it is true that the average life expectancy for American males is just over 73 years and almost 80 for American females, what many don’t realize is that additional life expectancy increases as we age.
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RETIREMENT SORTED
Download our free checklist of 32 important issues you should really think about before you retire.
RETIREMENT SORTED
