Rothermel Financial Services

In the symphony of life, retirement is the beautiful finale where you compose your own melody.

With increasing life expectancies, plan for the possibility of a long retirement. Help ensure your savings can support you for 20-30 years or more by investing for income. Consult with a trusted financial advisor to hear more about how you can invest for income!

Help maximize your Social Security benefits by knowing when to claim!

Here are 12 essential tips to help ensure you get the most out of your benefits: https://www.kiplinger.com/retirement/social-security/601708/social-security-basics-12-things-you-must-know-about-claiming-and

Social Security Basics: 12 Things You Must Know to Maximize Your Benefits Claiming Social Security benefits at the right time means more money for you.

Understanding the value of investing for income is essential for your retirement future. Learn how strategic investments can help provide steady income streams and enhance your retirement plans.

Give us a call at (971) 404-8662

Anticipating retirement with dreams of travel, reading, and relaxation? 🌟

As you transition into this new chapter, be aware of these 7 easy-to-avoid risks that could possibly derail your plans.
https://rothermelfinancial.com/reports/7-risks-to-your-retirement/

Retirement is like a marathon's finish line, where the hard work pays off and you can finally catch your breath.

Understanding the right time to take Social Security payments is crucial. Before deciding, familiarize yourself with the rules and determine your full retirement age to help maximize your benefits.

Your age matters! https://www.kiplinger.com/when-to-apply-for-social-security

When to Apply for Social Security Benefits: Your Age Is Key Knowing when to apply for Social Security is tricky. Before you start taking benefits, learn the rules and your full retirement age.

Tip of the Day: The Value of Financial Education

It is beneficial to stay informed and empowered. Regularly update your financial knowledge to help make informed decisions and adapt to changing circumstances.

🛡️ Want to help shield your assets from long-term care costs?

Learn how this useful tool can help safeguard your wealth for your loved ones: https://www.kiplinger.com/retirement/long-term-care-costs-medicaid-asset-protection-trust

This Trust Can Protect Your Assets From Long-Term Care Costs A Medicaid asset protection trust can help ensure your protected assets go to your beneficiaries rather than your long-term care, but it has to be set up properly.

The best part of retirement? Finally having time to make memories instead of just making a living.

Did you know?
Charitable giving not only supports causes you care about but may ALSO provide tax benefits!

Planning for long-term care is crucial to help avoid financial strain to receive the care you need as you age. Here’s how you can help effectively plan for long-term care:

1. Understand Your Options: Research and understand the different types of long-term care, such as in-home care, assisted living facilities, and nursing homes. Each option has different costs and levels of care, so it's essential to choose what aligns best with your needs and financial situation.

2. Evaluate Insurance Coverage: Long-term care insurance can help cover expenses that health insurance or Medicare may not, potentially protecting your retirement savings from unexpected care costs.

3. Create a Financial Plan: Estimate potential long-term care expenses and incorporate them into your overall retirement budget. Consider factors like inflation and potential changes in your health that may affect your care needs over time.

4. Consult with a Financial Advisor: Seek guidance from a financial advisor. They can help you navigate complex financial decisions and help recommend appropriate insurance products.

By taking proactive steps to plan for long-term care costs, you can help enjoy peace of mind knowing you have a plan in place for the future.

Want to know a powerful strategy to help protect yourself from inflation's dangers?

Read our free report below!
https://rothermelfinancial.com/reports/protect-yourself-from-the-dangers-of-inflation/

Here’s to a vibrant and joyful 4th of July tomorrow. Celebrate with family and friends!

Understanding Medicare may be daunting, but this article is here to help simplify it for you.

1. Parts A, B, and D: Learn what each part covers.
2. Medigap Plans: Find out how these plans may fill in the gaps.
3. Medicare Advantage Plans: Discover the possible benefits and options available.

Here are 11 key things you need to know: https://www.kiplinger.com/retirement/medicare/medicare-basics-things-you-need-to-know

Medicare Basics: 11 Things You Need to Know Medicare basics include Parts A, B and D, Medigap plans, Medicare Advantage plans and more. We sort out the confusion.

Comment your answer! What legacy do you hope to leave?

Retirement is your second chance to do the things you've always wanted to do.

💖🏠 Thinking about giving back in retirement? Charitable giving may be both fulfilling and tax-efficient. Let's explore how you can help incorporate philanthropy into your financial plan!

Call us at (971) 404-8662

Thinking about claiming your Social Security benefits soon? Don't act before you've considered all angles.
This article helps cover 6 crucial questions you may need to ask yourself before making this big decision.

Tap the article link now to help ensure you're making the right choice for your retirement!
https://www.kiplinger.com/retirement/social-security/taking-social-security-six-questions-to-ask-before-you-act

Taking Social Security? Six Questions to Ask Before You Act Thinking about taking Social Security benefits soon? Here's what to consider.

Did You Know? Estate planning is still important BEFORE you retire.

Estate planning is not something to delay; it’s a crucial step to help prepare for the future. By creating an estate plan now, you can help ensure your wishes are honored and your assets are protected. Early planning helps align your estate strategy with your broader retirement income goals, helping to safeguard your finances both during your lifetime and for your heirs afterward.

Wondering how to help make your money last in retirement? Investing for income is key!

Give us a call to discuss more!
(971) 404-8662

Retirement is like a lighthouse, guiding you safely through the rest of your journey. 🗺️

Tip of the Day: Create a Routine
🌟 Structure your days! Having a daily routine helps provide a sense of stability and purpose. Include activities that bring you joy and fulfillment!

To the fathers who lead by example, instill values, and nurture dreams, we celebrate you this Father's Day weekend.

Understanding how your benefits are taxed is crucial to help manage your finances effectively. Here are five essential points to help you make sense of Social Security taxes and how they impact your financial health.

Stay informed and help stay ahead! https://www.kiplinger.com/taxes/social-security-income-taxes

Social Security and Your Taxes: Five Things to Know The Social Security COLA is just one aspect of your benefits that can impact your taxes.

Retirement is a time to experience a fulfilling life derived from many enjoyable and rewarding activities.

I've witnessed too many retirees concerned by the constant worry - "Will my money last?" The traditional approach to retirement may focus solely on building an investment portfolio for growth. However, this may leave you vulnerable to market volatility that can deplete your savings prematurely.

At our firm, we prioritize an income-first approach to help fund your desired retirement lifestyle. Embrace the peace of mind that may come from an income-first approach tailored specifically to your needs. Reach out today to learn more!

When it comes to estate planning for your aging parents, having the right knowledge is essential.

Here are four key things to discuss: https://www.kiplinger.com/retirement/aging-parents-what-you-need-to-know

Four Things You Need to Know About Your Aging Parents When it comes to estate planning for your aging parents, knowledge about their wishes and finances is power.

I'm retired - I was tired yesterday, and I'm tired again today. 😂