Retirement : Kesten Financial Group, New York, New York

Retirement

Retire - verb | re-tire | \ri-‘ti(e)r\

The dictionary ‘s description for retire = “cease”, “end”, “stop”.   STOP???

Not in today’s world. We have people to see and places to go.

Leisure, fulfillment, and freedom are more like it.

We have goals. Whether these goals include protecting your family, saving more confidently or creating a life time income stream or maybe all three), we at KFG have solutions to help you retire the way you want, on your terms.

Security & Income =
Happy Retirement

Kesten Financial Group knows retirement is not an event but an ongoing journey. Security and Income are the keys to a happy retirement. It is generally believed that retirees who have guaranteed income are happier in retirement then those that do not. No one wants to worry about the market forecast while retired or fearful that their funds will be depleted. Together we will determine your “number” that you need to retire in style and design a strategic plan consisting of different “buckets” of money, each serving a separate purpose in your portfolio’s performance. Enjoy!!! Sit back and relax and not worry.

No One Wants Cash Flow
Problems In Retirement
Let’s have Optics

Where will your retirement income come from?

Funding Retirement

Savings

Your savings may need to be a main source.

Asset composition is for illustrative purposes only.

 

Most people have more questions than answers when it comes to planning for retirement?

  • How much will I need?
  • How much do I have?
  • How much do I need to save to cover the shortfall?
  • Where should I put my money?
  • How will I be affected by taxes?

Social Security

Social Security was never intended to be the only source of income for retirees. Today Social Security is generally providing a smaller percentage of the income needed in retirement, and sometimes without the benefit of cost of living increases. Furthermore, pension plans are no longer as prevalent as they used to be, leaving most people without those guaranteed funds.

401K Rollovers/ IRA Transfers

Before we get rolling...

We conduct a full review of all your retirement accounts and provide you with a snap shot of your account which shows risk- reward, fees, and historic performance. We will compare our recommendations to your current account and determine if it would be appropriate to rollover your 401K or transfer your IRA. It’s your dreams and goals that we are focused on.

We want to be a trusted partner with you. We will act only in your best interest...wouldn’t you think this would be obvious.

Rolling your 401K or transferring your IRA can be a straightforward process,  If executed correctly, there should be no tax consequences, no fees, no hassles.

Please note that before rolling over the proceeds of your retirement plan to an Individual Retirement Account (IRA) or annuity, consider whether you would benefit from other possible options such as leaving the funds in your existing plan or transferring them into a new employer’s plan. You should consider the specific terms and rules that relate to each option including: the available investment options, applicable fees and expenses, the services offered, the withdrawal options, the potential flexibility around taking IRS required minimum distributions from the option, tax consequences of withdrawals and of removing shares of employer stock from your plan, possible protection from creditors and legal judgments and your unique situation. Kesten Financial Group does not provide tax or legal advice. Consult your own tax and or legal advisors regarding your particular situation.

No One Wants Cash Flow Problems In Retirement

While you’re out enjoying life, having peace of mind will provide you true freedom. Peace of mind that you know no matter what happens, you have guaranteed income every month or year for the rest of your life. Take the worry off your back, and the risk, by creating a guaranteed stream of income with solutions that are guaranteed by well-known insurance companies. These tools may be a great solution for part or all your portfolio. It’s equivalent to creating pension-like retirement income that may provide peace of mind.

  • Guaranteed Income Annuities
  • Fixed Deferred Annuities
Guarantees are based on the claims-paying ability of the issuing insurance company.

 

 

Women

Women are in control
Women are powerful and accomplished, earning and achieving more than ever before.

 

We’ve come a long way and yet we have tons more to go.

  • .

Women face unique challenges…especially in retirement
We generally live longer, tend to make less money and work less.

Because of the gender pay gap women have less retirement savings.

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VS.

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Women are generally living longer.

 

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Shouldn’t we use tools and plans that address specific needs?

Felicia Kesten understands the challenges women face today and is devoted to helping women achieve financial literacy while also feeling comfortable investing and planning for themselves and their families.

Let’s talk