Where, when and how much are common concerns when creating your own retirement income stream. We are able to view your complete picture and design a strategy that integrates all of your resources to support the type of lifestyle you and your family want after your income generating years are done. At Destiny we are able to integrate all of your accounts and holdings to generate the income you want for your family and lifestyle.

A few of the most common elements that make up a retirement income stream are listed below. It is our job to be able to understand how best to use each of these resources to deliver the most reliable, tax-efficient, and easy to access income stream throughout your retirement years.

  • 401k
  • IRA
  • Social Security
  • Pensions
  • Real Estate
  • Inheritance
  • Insurance
  • Passive Business Income

For instance, when selecting pension options you typically have the choice to take an option that pays you the most but delivers income only as long as you are alive. There are other options that might pay you less but would also provide a residual income to your spouse in the event of your death. Which option should you choose? In this example we would consider all other resources and what your needs are and then work with you to select the pension option that works best for you and your family.

Taxes will play a large role in retirement for everyone but working with us here at Destiny Capital will allow you to have full insight into what they will be and in many cases, some control of when and how much you will pay. For instance in a retirement year in which you spend a lot, on a new car for instance, it might make the most sense to use funds from a Roth account for that purchase and minimize the withdrawals from your regular IRA. These ongoing decisions are part of our service to clients here at Destiny Capital.

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