Broker Check

Currently Retired

Several similarities exist amongst our clients who are financially successful retirees. You worked hard during your career, typically live below your means, and want to know how to preserve your wealth during your retirement years.

Mark Twain said it best: “I am more concerned about the return OF my money, than the return ON my money”

If you need answers to some of the following questions, we may be the financial advisor for you:

  • How much retirement income can I generate to live the lifestyle I desire?
  • How can I make my retirement portfolio last the rest of my life?
  • How do I minimize taxes on my portfolio?
  • How do I transfer my wealth to my heirs and minimize the tax impact?
  • How can I simplify my financial life?
  • How can I grow my wealth in order to keep pace with inflation, but still sleep soundly at night?

Derse Morgen Financial Advisors will design and implement a game plan that addresses all of these questions and more, depending upon your needs. You may review Our Wealth Management Process or Our Investment Consulting Process to learn more.

Here are several solutions we have for our retired clients:

Your Concern Our Solution

“I am concerned about preserving my wealth throughout retirement and for my loved ones.”

We utilize advanced tools designed to give you the a high probability of maintaining your wealth throughout retirement and transferring it to your heirs.

“I am concerned about running out of money before running out of life.”

We provide clients with a customized investment plan which includes recommendations for making your money last as long as possible.

“I am concerned about generating enough retirement income so it keeps pace with the rising cost of goods and my lifestyle.”

We create an easy to understand income distribution strategy that potentially allows you to create enough income to enjoy the lifestyle for which you are accustomed.We will build a portfolio that is constructed to potentially overcome inflation and can potentially increase your purchasing power over time.

“I am concerned about minimizing the taxes on my investment portfolio and estate.”

We utilize tax-efficient mutual funds in all of our client portfolios.We utilize asset location strategies which mitigate your tax burden over time.We implement a tax loss harvesting strategy to help minimize the impact of taxes on your hard earned wealth.We incorporate the input of a tax expert for superior strategies and advice in minimizing the tax impact of your investments and your estate.*

“I am concerned about protecting myself from identify theft, law suits, and protecting my loved ones in the event of loss of life.”

We suggest that client’s subscribe to LifeLock identify theft protection services for some clients as part of our service.*Our estate planning and insurance team members create asset protection strategies to protect you and your family.*

“I am concerned about the transfer of my estate in an effective and tax efficient manner.”

We review all beneficiary designations and account titling to ensure your heirs receive what you intended.We review your balance sheet and estate with our estate planning expert for advanced advice and recommendations.*

“I am concerned about providing philanthropic support for my charity of choice.”

We work closely with our charitable gifting expert to define a proper strategy that fulfills your values and gifting goals.*