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Retirement Planning


Enjoy a Financially Secure Life Even After You Retire

One of the biggest fears individuals have is about life after retirement. When to retire and how to make money last to enjoy a financially independent life are legitimate concerns.

At Box Financial Advisors, we offer a comprehensive and  customized approach to retirement planning that goes beyond just managing your nest egg. Our financial advisors work with a focus to help you generate and build the equity that you need to support yourself and those dependent on you in a lifestyle that you want. With sheer confidence, your money will last your entire lifetime—regardless of how long you may live. Here’s how we help you navigate through, plan for retirement, and transition smoothly.


Identifying and Setting Retirement Goals

Our advice is never one-size-fits-all. It is always unique, case-by-case, and individualized. We start by identifying goals so that you have a good vision for what you want your life to be after retirement.

We answer questions like:

  • What do you want to do after you retire (travel the world, raise grandchildren, maintain a luxury lifestyle)?
  • How much will it cost you?
  • When do you want to retire?
  • Do you wish to spend all your money or pass on an inheritance to children or other heirs?
  • Do you wish to leave a legacy or endowment or support philanthropic causes?

It is essential to understand that these factors, along with your current financial situation, will help us determine whether you should focus on growth, income, or a combination of both.


Customizing Your Retirement Plan with the Best Strategies

To calculate a retirement probability, our seasoned advisors have a patent retirement tool we use to analyze different factors such as:

  • Your income
  • Assets
  • Age of retirement
  • Current savings
  • Inflation

In addition to this, we always put the plans through stress tests of market down turns and recessions because we know the market is likely to fluctuate with time. This helps maximize returns while mitigating the risks and negative impacts these changes may have on your retirement funds and investments.


At Box Financial Advisors, we work with you cohesively to determine the best ways to invest and prepare for retirement, such as:

Small Business Retirement Plans

Setting up a benefit to attract and retain the best talent is key to growing your business. At Box Financial, we specialize in using the right business partners to also see if you can invest beyond just stocks and bonds with your retirement plan.

Traditional 401(k)s

This is where contributions are deducted from the salaried employee’s paycheck before taxes are calculated. The contribution is matched by the employer. This strategy provides an instant ROI while lowering the current income tax burden.

Roth 401(k)s

Although similar to traditional 401(k)s, the tax benefits are reversed. In other words, you may fund contributions after being taxed. Nonetheless, that money isn’t subject to future income and capital gain tax.


Traditional IRAs

These are private accounts that are designed for retirement investment purposes. Though they offer similar tax deferment benefits as 401(k)s, there is no matching contributions. There are also annual contribution limits.  

Roth IRAs
This version of IRA switches tax benefits. In other words, tax is paid upfront on the contributions, which provides a shield for future distributions.

We believe that you shouldn't have to waste your golden years stressing over electric bills or the balance of your checking account. Let us help you enjoy life after retirement just the way you have envisioned. We have helped numerous people retire confidently. We can't wait to do the same for you.