Retirement Income Planning

Savings
Optimization

Tax
Planning

Cash Flow Management

Roth Conversion Analysis

QUESTIONS TO CONSIDER

  • Am I saving enough money?
  • Where is the best place to save?
  • How does Social Security work? What are my options and when should I apply?
  • What is the Pension Benefit Guarantee Corporation (PBGC)?
  • When should I turn on my PBGC benefit?
  • Which PBGC survivorship election should I choose?
  • Should I convert my pre-tax PRAP to Roth? How much?
  • How does my income impact Medicare premiums (IRMAA)?
  • Should I roll my 401k into an IRA/Roth IRA?
  • When should I plan to draw income from my PRAP? How much?
  • When should I apply for my CPRP?
  • How is my CPRP lump sum calculated?
  • Should I take the CPRP lump sum or the annuity?
  • How can I reduce my Medicare premiums at retirement?

Saving for retirement can be overwhelming. It can feel like you are climbing a mountain with the summit being the day you retire. However, in reality, similar to your retirement day, the summit does not mark the end of your journey but rather a milestone along the way. Sometimes, the most challenging and most difficult part of the journey is the climb down.

We have found that most missteps in a financial plan occur during the retirement years, or the climb down the mountain, when savings are being converted to spending. We focus on designing a retirement income strategy to appropriately coordinate your social security income, pensions, and savings to guide you both up and down the mountain safely.

A successful climbing expedition takes more than just showing up with gear and a map. It requires you to carefully plan your route and prepare for the unexpected. Like retirement income planning, a strategy to optimize both the short-term and long-range is important in achieving a desirable outcome.

Additionally, when comparing retirement planning to mountain climbing, it is important to note that “safety” is not just about physical safety, it is also about emotional well-being. In the context of our airline pilot retirement planning, the emotional component of knowing you have an effective plan and strategy in place will help you and your family tremendously. We take pride in the fact that we have heard countless times that our plan helps our clients sleep at night.

Throughout our long-range relationship, we will communicate with you regularly to discuss your goals and objectives to make sure that your retirement income plan aligns with your spending goals.

OUR SERVICES

Retirement Income Planning

Investment Management

Benefit Maximization

Medicare & Health Insurance Planning

Family Survivorship Guidance

Estate Planning

Let's Achieve Your Financial Goals

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This website is for informational purposes only; it does not constitute a complete description of LRC Aviation Advisor’s and/or Oarsman Capital’s investment advisory services. The information contained herein does not constitute tax, legal or investment advice. Visitors should discuss the personal applicability of specific investment instruments, strategies, and services with a professional advisor. Visitors will not be considered clients of Oarsman Capital, Inc. by virtue of access to this website. Oarsman Capital, Inc., conducts business only in jurisdictions where registered, or where an applicable registration exemption or exclusion exists. Information contained herein is not intended for persons in any jurisdiction where such use would be contrary to the laws or regulations of that jurisdiction, or which would subject Oarsman Capital to unintended registration requirements. Information throughout the site is obtained from sources we believe to be reliable, but we do not warrant or guarantee its timeliness or accuracy. Information regarding historical investment results should not be interpreted as an indication of future performance. Portfolio diversification (balance) cannot eliminate investment risk; a diversified investment strategy emphasizing high-quality securities can result in loss of principal.

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