Partnering with an advisor that specializes in retirement income planning allows you more time and freedom to enjoy life. Actively managing when, where and how to invest your nest egg should not be left to chance or good luck.
Have the confidence to make decisions with a trusted advisor that will benefit you and your family for years and generations to come. Reassurance is a truly remarkable characteristic in retirement.
When your investments lose value because of something outside of your control like market volatility or low interest rates; what do you do? Having a professional plan that accounts for any type of bump in the road can greatly reduce your risks and anxiety, leaving you better prepared to enjoy retirement the way you envisioned.
Why Cocheco Financial Group
Cocheco Financial is a leader in the retirement planning arena. We focus exclusively on helping pre-retirees and retirees manage the obstacles that come along with investing during retirement. We sit on the same side of the table as you so to speak, so there’s no ambiguity in our mission. It may sound simple, but we pride ourselves on returning calls quickly, replying to emails timely, and going out of our way to make you a part of our group here.
Working With Us
We hold ourselves to the highest ethical and fiduciary standards in the industry in order to meet your unique goals for maximizing income and managing investments. We have earned our clients’ faith and trust by being responsive and looking after their best interests. You can always expect that from us, as we expect nothing less than the best from ourselves.
Watch: Why Does Portfolio Stress Testing Matter
How We Help
In todays global economy which is constantly changing and where it’s becoming more challenging to simply invest for one’s future, we break down the challenges into easily manageable and simple processes. We use some of the most advanced, state-of-the-art systems to simplify very complex matters for our clients.
What To Expect
We look at every possible variable that could impact your goals and financial livelihood in retirement and develop plans within plans to address those potential challenges. We help build strategies designed to provide tax-efficient income distribution while controlling for potential challenges such as inflation, rising health care costs, global stock market fluctuations and systemic changes.
Like most things in life, having a strategy or plan better helps us achieve the goal at hand.
Whether it’s a GPS, a recipe, or an owners-manual we sometimes rely on these to make our lives easier.
Contact us for a no pressure, relaxed, confidential conversation and see if we have the plan you need to make retirement easier.
Knowing where to start can sometimes be the hardest part. Fortunately, we’re really good at that.
At the point when you stop working and you no longer receive a paycheck, you will need to begin paying yourself from the savings and investments you’ve set aside for 20-30 years at least. Doing so requires a shift in thinking from accumulation strategies to distribution strategies.
At a minimum, we help evaluate and re-allocate our clients’ retirement accounts on a quarterly basis. The old buy and hold mantra of the past has proven to be less successful when you’re taking income from your accounts. We are active, we’re involved, and we seek out results without compromising fundamental principles or taking undo risk.
Today there are so many different places and varying strategies to invest in, that it can be overwhelming if you are not an expert. We help our clients determine what combination of liquidity, income accounts, tactical money accounts, and strategic money accounts will best suit their needs through each stage of retirement.
We use some of the most advanced software available to analyze and determine the absolute right strategy for you based on facts. Coordinating your Social Security strategy with how you tap into your other retirement accounts can add years to your portfolio’s longevity.
While it is absolutely possible to die without planning your estate, we wouldn’t say that is advisable. These legal documents exist to help ease the burden and confusion on your loved ones, while also considering how to lessen tax implications and create a more efficient transfer of wealth. We have relationships with individuals who can provide these services to you.
Paying taxes is inevitable; paying the appropriate amount is an art. We work closely with our accountants and tax attorneys to create accounts and strategic lifestyles that are tax friendly while you are still accumulating, while in distribution, and when you pass money along.
Information and Workshops
Our workshops and seminars are generally offered at the workplace, libraries, schools, colleges & universities or restaurants. We discuss various topics related to our services and find that this is a great way to learn a wealth of information in a short period of time. If you prefer to just sit back and learn, we encourage you to seek out one of our upcoming events.
We're located in the heart of downtown Dover, at 466 Central Avenue, Suite 4. The office is directly across the street from the downtown Days Inn hotel and directly above the Simple Health store. Enter the building under the black awning. From Central Avenue, look up and you'll see our signs in the upstairs windows.
Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS), member FINRA/SIPC. WFS is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS. WFS does not provide tax or legal advice. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. This communication is strictly intended for individuals residing in the states of MA, ME, NH. No offers may be made or accepted from any resident outside the specific state(s) referenced.
PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this web site. We make no representation as to the completeness or accuracy of information provided at these web sites.