Financial Retirement Advisor Serving Apex, NC

Investment Management

Investment management has one ultimate measure: results. Through a balance of strategic and tactical management approaches Richon Planning’s goal is to help our clients make the progress that is important in achieving lifetime and retirement goals. We strive to capture upside growth and appreciation while minimizing downside risk, all for a competitive, straight forward fee. Our compensation structure aligns our interest with the investment goals of our clients. With a fiduciary responsibility to place our client’s best interest as the top priority when making recommendations, we help to ensure your dollars align with your goals, time horizon, risk tolerance, and expectations for returns. View Options

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Retirement Planning

The risks and challenges we face in retirement can make working for your paycheck seem easy. Richon Planning takes the time to thoroughly understand your and carefully construct specific plans to help you achieve them. Budgeting and income strategies to ensure running out of money and sacrificing lifestyle is not a nagging concern hindering lifestyle and enjoyment of retirement. Our strategies address maximizing available sources of income, including pension and Social Security claiming optimization, retirement account withdrawal planning, and risk mitigation through advanced investment management strategies.

Estate Planning

An essential component of your life’s work is to construct a plan to effectively preserve, protect, leverage, and pass on your wealth, without creating strife and placing additional stress on your family and loved ones. Making sure that you create the desired legacy and that your wealth transfers efficiently requires the coordination of financial and legal aspects of planning. Working together with your attorneys or ours, we can help you define and create a lasting positive legacies and positive family memories of what you helped to create and pass to your loved ones, charities, and philanthropic causes.

A financial retirement advisor can help with generational wealth goals and planning

Tax Planning

Most planners approach to taxes is to help you reduce the bill on money you earned last year. At Richon Planning our goal is to plan for tax efficiency throughout all your future years to allow you to keep as much of your money as possible in retirement. Working together with like-minded accountants and CPA’s, we can implement and execute planning strategies to net more income and keep more of your savings in tact.

Insurance

Protecting what’s most important in your life requires leveraging your dollars protection power. Almost no one is truly prepared to handle real disaster or worst case scenarios. Through securing an appropriate amount of insurance coverage at affordable rates, we can help you make your dollars go further when you need them the most. Life, health, disability, long-term care, and income insurance can all be structured and integrated into compressive planning to provide for increased confidence throughout life and retirement.

A financial retirement advisor helping to protect savings

Risk Management

From the volatility inherent in the stock market, to withdrawal rate risk, longevity, inflation, taxation, LTC expense protection, and survivorship income vulnerability, we are certain to encounter many risk through our financial and retirement lifespan. With a plan in place, we can have confidence in our approach to addressing these risks and minimizing or eliminating their potential impact. Our process is designed to identify potentially life altering financial risks and strategize on how to effectively address them.

A financial retirement advisor helping to manage investments

Employer Plans

401(k)’s & Employer Sponsored Plans (403(b)’s, TSP’s, and any retirement plan offered through an employer) are a big part of most American’s financial and retirement picture. Whether reviewing your individual allocations, consolidating older plans, rolling over plans to an IRA while still employed, or coming onsite to educate employees or review or implement a plan on an employers behalf, Richon Planning is your retirement plan resource. If you are saving for your own retirement or you are an employer, company, organization, or HR representative wanting to make sure you are doing the best to offer your employees competitive benefits, call Richon Planning for a complimentary plan review.

A financial retirement advisor helping to set up employer sponsored and workplace retirement plans

Education & Evaluation

Even if you never become a client of Richon Planning, we have a deep belief that providing you value and education on your financial options will benefit everyone in the long run. If you have a simple question, would like to make sure you are heading in the right direction, would like to review your planning one-on-one, would like to receive any of our complimentary educational material, or would like to attend one of our classes or workshops, you are always welcome to be in touch. We strive to help anyone serious about planning for their financial future have the benefit of being able to make informed decisions.

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PERSONAL RETIREMENT PLANNER SERVING APEX, NC