Retirement Planning

Expert Advice on 401(k)s and IRAs

We’ll help you maneuver the rules and regulations that govern Traditional IRAs, Roth IRAs, SEP IRAs, SIMPLE IRAs and Defined Contribution plans including 401(k)s

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How much money will you need to retire comfortably? Will your money last throughout your retirement? Do you have a plan? Era Capital Management can help you project the amount you may need to save towards your goal and plot your next steps.

Accumulation Strategies

A proactive accumulation plan is essential to building wealth for retirement. To create a sizable retirement nest egg it starts with your regular contributions. Generally, the goal is to keep funds invested, reinvest income and capital gains, and have these compound for as long as possible.

Distribution Planning

When approaching or entering retirement, IRA distribution planning is crucial because of the many tax-sensitive decisions a withdrawal strategy entails. A withdrawal strategy aims to help provide you with the income you need, minimize the effects of taxes, and keep your investment mix diversified and in line with your personal situation..

401(k) Rollovers

When you are ready to retire or change jobs you may consider rolling over your 401(k) assets to a Rollover IRA. IRAs offer more freedom to choose from a larger universe of investments, management styles and provide heirs with more flexible payout options than qualified plans..

Roth IRA Conversions

If you are evaluating whether a Roth IRA conversion will make tax sense usually depends on your income tax rate for a given year. During low earning years choosing to take advantage of lower tax rates presents an opportunity to convert Traditional IRA funds to a Roth IRA.

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