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You’ve worked hard to build your wealth, but now the big questions start…
✔️ Do I have enough to retire comfortably?
✔️ How do I create reliable income that lasts?
✔️ Am I paying too much in taxes on my retirement savings?
✔️ What happens if the market crashes after I retire?
✔️ Will I run out of money later in life?
If you’re asking yourself these questions, you’re not alone. The reality is, retirement is more than just hitting a savings goal—it’s about knowing your money will last. That’s where we come in. Our retirement planning process gives you clarity, confidence, and a plan that works no matter what happens in the economy.
Retirement planning isn’t just about saving—it’s about knowing your money will last. Here’s what your personalized plan includes:
We create a plan for predictable income so you don’t have to worry about running out of money.
We help reduce unnecessary taxes on your investments, Social Security, and retirement accounts.
Your portfolio should support your lifestyle while protecting against market downturns.
We guide you through benefit timing to optimize your retirement income.
Ensure your wealth is protected and passed down exactly how you want.
Your needs change over time, and we’ll adjust your plan to keep you on track.
See what your retirement plan could look like.
There are plenty of financial advisors out there—but not all of them specialize in retirement planning the way we do. Here’s what makes our approach different:
As a CFP®, we are held to the fiduciary standard—meaning we always act in your best interest. Our focus is on strategy, not just products.
Our strategies help you keep more of your money with tax-efficient retirement withdrawals and smart planning.
You’re not just another account—we build lasting relationships with our clients and adapt your plan as life changes.
Your financial needs will change, and we’ll be here every step of the way to adjust and optimize your plan.
Planning for retirement comes with big questions, and getting the right answers can make all the difference. Here’s what you need to know:
A common guideline is the 4% rule, which suggests that if you withdraw 4% of your portfolio per year, your money should last 30+ years. This means if you need $80,000 per year, you’d want about $2 million saved.
But the reality is, this rule isn’t perfect. It doesn’t account for:
• Taxes on withdrawals
• Market downturns
• Healthcare costs
• Inflation & cost-of-living increases
At Talley Financial, we calculate a personalized “safe withdrawal rate” based on your actual expenses, income sources (Social Security, pensions), and tax situation to make sure your money lasts.
Bottom Line: You don’t need a magic number—you need a plan that fits your lifestyle and spending needs.
Most retirees don’t realize that taxes could be one of their biggest expenses. Without proper planning, you could lose 20-30%+ of your retirement income to unnecessary taxes.
Key tax-saving strategies we use:
• Roth Conversions – Converting pre-tax retirement funds to tax-free Roth IRAs before Required Minimum Distributions (RMDs) hit.
• Tax-Efficient Withdrawals – Choosing which accounts to withdraw from first (pre-tax, Roth, taxable) to keep taxes lower.
• Strategic Social Security Timing – Claiming Social Security too early could lead to higher taxable income down the road.
• Capital Gains & Investment Tax Planning – Managing taxable investments to minimize capital gains taxes.
Bottom Line: Retirement tax planning isn’t just about what you earned—it’s about what you get to keep.
Market downturns are inevitable—but they don’t have to derail your retirement.
One of the biggest risks retirees face is sequence-of-returns risk—losing money early in retirement when withdrawals are happening.
How We Protect Against Market Crashes:
• Bucket Strategy – Dividing assets into short-term (safe cash), medium-term (income-focused), and long-term (growth).
• Cash Reserves – Keeping 1-3 years’ worth of expenses in safe, non-stock market assets to avoid selling at a loss.
• Dynamic Withdrawals – Adjusting withdrawal rates during market downturns to preserve capital.
Bottom Line: A smart retirement plan prepares for market downturns before they happen—so you’re not forced to sell at the worst time.
Timing Social Security can mean the difference between leaving tens of thousands on the table—or maximizing your benefits.
Your benefits increase 8% per year for every year you delay past full retirement age (FRA) until age 70. But delaying isn’t always best.
Key Factors in Deciding When to Claim:
• Your Health & Life Expectancy – If longevity runs in your family, delaying benefits may be smarter.
• Other Income Sources – If you’re still working or have significant savings, waiting could result in lower lifetime taxes.
• Spousal & Survivor Benefits – If married, your claiming decision affects what your spouse will receive after you pass.
Bottom Line: There’s no one-size-fits-all answer—your Social Security strategy should be based on your total financial picture.
Retirement is not a “set it and forget it” plan.
Life happens—unexpected expenses, changes in health, market fluctuations, or tax law adjustments. A good retirement plan evolves with you.
How We Keep Your Plan On Track:
• Annual Reviews & Adjustments – We reassess your spending, income sources, and investments each year.
• Tax Law & RMD Adjustments – New laws (like Secure Act 2.0) can impact Required Minimum Distributions (RMDs). We make sure you’re tax-efficient.
• Long-Term Care & Estate Planning Updates – Ensuring your plan protects you and your family’s future.
Bottom Line: A good financial plan isn’t just about retirement—it’s about adapting to life’s unexpected changes.
Retirement isn’t just about numbers—it’s about creating a strategy that works for you. Whether you’re preparing to retire in a few years or need to refine your current plan, we’re here to help.
Proudly serving clients in Johnson City, TN, and the Appalachian Highlands with personalized financial strategies.
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Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer member
FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered. Investment Adviser. Cambridge and Talley Financial are not affiliated.
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Financial Professionals may only conduct business with residents of the states or jurisdictions in which they are properly registered, licensed or exempt from registration and not all of the securities, products and services mentioned are available in every state or jurisdiction.
Testimonials are based upon an individual client experience and may not be representative of the experience of other customers and should not be considered a guarantee or indication of future performance or success.
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