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With a deep commitment to your financial success, Kevin provides tailored strategies and guidance to help you achieve your unique goals
Planning and navigating the complexities of retirement can feel overwhelming. At Celtic Guard, we aim to alleviate stress around finances by helping you create personalized solutions that inspire financial confidence for your future. We believe it’s never too early to start planning for the future.
While retirement planning shouldn’t be laced with fear, it should include contingencies for both your everyday expenses and economic emergencies. If you’d like a little help to navigate the finish line, whether that’s five years away or 15 years away, a financial advisor at a boutique retirement firm may be able to carry you further than you think.
Securing Your Income for Retirement
Your portfolio is tied up with all of your assets. When an account or property takes a dive, you need to know the best way to respond. In some cases, you’re better off riding out the storm. In others, you would be better off changing course. At Celtic Guard Financial Planning, Kevin McCann is here to serve the Columbus metropolitan area.
He encourages all of his clients to diversify both their holdings and their eventual retirement income. Tax planning, estate planning, wealth management, insurance policies, and assets under management tactics can all go a long way toward the retirement of your dreams. He takes the time to learn more about how his clients relate to risk.
Retirement planning can seem complex, but we believe it can be broken down into a few simple concepts:
1. Calculate what you can save per month.
2. Consider working with a financial advisor to manage a part of your wealth.
Retirement Income Planning
Retirement is more than just relaxation after years of hard work. The transition is marked by not just a change in routine, but also by the loss of a steady paycheck. For years, people stressed the importance of savings and retirement accounts as a way to safeguard yourself from loss.
The standard advice of the past was to have $1 million saved if you wanted to withdraw anywhere from $40,000 to $50,000 per year. It likely comes as no surprise that there are more nuanced takes on this advice. When you seek advice from a financial advisor, they can tell you more about how to fold in retirement income planning strategies into your current retirement blueprints.
What Is Retirement Income Planning in the Columbus Metropolitan Area?
Retirement income planning is a common approach to prepare for retirement because it follows many of the same principles that you’re currently using to budget your bills. Planning for retirement may involve discovering other potential income sources that help cover the cost of ongoing life expenses. As market and economic conditions shift, it may be beneficial to diversify income sources to bolster your financial cushion.
How to plan your retirement income will all depend on what you’re looking for. At Celtic Guard Financial Planning, you’ll meet Kevin McCann, an advisor who will consider both the pros and cons of every path. He can help you develop a plan for reaching your specific goals and desired lifestyle.
The general principles of income planning remain the same across the board. The idea is that once you reach your retirement age, you have as many revenue streams as possible. Social Security, pension withdrawals, rental property income, part-time jobs, stock dividends: we can help you maximize those revenue sources.
Assets Under Management
At Celtic Guard Financial Planning, a boutique retirement firm, Kevin McCann is there to sit down with you to learn more about what you want from your resources.
Assets Under Management Strategies in the Columbus Metropolitan Area
We understand that financial management can be hectic when balancing the demands of everyday life. At Celtic Guard, we discuss and explore a variety of options when it comes to your financial future. Whether you live for the risky gambles or you’d prefer to play it safe, we endeavor to understand and identify areas of importance in your portfolio that can potentially be expanded upon.
At our small financial firm, we strive to foster personal relationships with our clients. We believe the initial step towards investing should begin with a conversation where your financial goals, preferences, and objectives are clearly communicated. We want to know about your long-term retirement goals, and what you desire to achieve financially.
If you’re wrestling with the idea of a second opinion, we offer the opportunity to review your current portfolio and objectives. Selecting an advisor to assist with portfolio management can potentially help you develop and solidify your overall financial aspirations. Whether you hope to pay for your grandchildren’s education or travel first-class for life, assets under management may be the key to unlocking your future.
Life Insurance
Life insurance in the Columbus metropolitan area can be one of the trickier types of plans to choose from. In terms of the policies, life insurance is similar to other types of insurance in that every contract and carrier has its own stipulations. The biggest difference is that most people are even less inclined to talk about life insurance than they are about car, home, or medical insurance.
This can lead to assumptions about coverage levels, not all of which are rooted in fact. To help avoid confusion, working with a licensed insurance agent to discuss retirement goals and insurance preferences can be the answer.
Picking the Right Life Insurance Policy
At Celtic Guard Financial Planning, Kevin McCann can give you the facts about how these policies work. The two major terms, permanent and term life insurance, both offer different perks to the policyholder. Term insurance is not just affordable; it’s also relatively simple to understand. With this policy, there are set rules about payouts to beneficiaries. There’s also an expiration date, typically based on the ages of those named in the policy. For instance, a policy might expire when your youngest graduates or on their 25th birthday. If the policy isn’t used by then, all coverage is terminated.
With permanent life insurance, the plans can get a little more complex. Because the policy lasts for your lifetime, it can potentially be used in different ways. Some carriers will offer a savings component to their plans, which can potentially be used when life gets more expensive than you planned for. A licensed insurance agent can assist in giving you not just the straight facts about different clauses in the contract but also real-world ramifications behind each one. Regardless of your current portfolio, we can discuss more about how to integrate life insurance into your larger financial and retirement goals.
Investing
Investing has evolved in recent years, with the emerging popularity of cryptocurrency to rising housing costs. The financial sector is a robust industry that continues to adapt and shift to consumer preferences. At Celtic Guard, we persistently strive to keep pace with avenues that our clients need, want, and prefer in our growing industry.
If you’re looking for investment advice from a financial advisor who can meet you on your level, consider Kevin McCann at Celtic Guard Financial Planning. We can examine your portfolio and help identify potential strengths and weaknesses.
Investing in the Columbus Metropolitan Area
We believe that working towards a beneficial financial solution is an individualized process, where it is important to evaluate risk tolerance, objectives, and preferences of each client. We work to understand our client’s profile; whether you identify more with higher risk objectives or value a more conservative approach to finances.
As people get closer and closer to retirement, their investment strategy tends to change. No longer are they looking to take big risks for the potential of big rewards because they simply don’t have the luxury of being wrong anymore. If you’re looking for an advisor who will help steer you in the right direction as your priorities change, call Kevin McCann.
Wealth Management
Wealth management strategies in the Discovery City can take a broad approach to your portfolio. If you entrust a financial advisor to help, it can include anything from how you’re managing capital gains to opening a trust for your youngest grandchild. If you’re looking for a financial advisor to help, it’s important to know what exactly you’re signing up for.
At Celtic Guard Financial Planning, Kevin McCann is an analytical professional who can help you get the most out of your current holdings. Serving the Columbus metropolitan area, he’s available to his clients who have questions about how they can set themselves up for success during retirement.
The Nature of Wealth
When managed correctly, wealth has a tendency to beget wealth. The more an individual amasses, the easier it can be to find lucrative opportunities to grow. When opened to more financial opportunities, there may be less parameters that can possibly deter an individual from encountering strategies that are off-limits.
Your assets, risk levels, investments, loved ones, and retirement goals make for a lot of moving parts when it comes to your wealth management. At Celtic Guard, we have the knowledge to help you cut through the red tape and work with your portfolio to develop a more defined focus. It can help make a real difference to both your retirement and the lives of future generations.
Health Care
The right health care plan can do wonders for your long-term financial well-being. Despite this, around 23 million people in the US still manage to find themselves in medical debt in 2022. When some insurance companies are liable to fight you for every charge, it becomes exceptionally important to choose the right carrier that meets your needs.
Navigating Health Care in Columbus
At Celtic Guard Financial Planning, we help clients understand the policies they’re choosing on a deeper level. Regardless of what you’re planning for your golden years, the odds of an injury or illness may increase as time goes by. Employing the principle of preparedness can help to be ready not just for direct costs, such as standard appointments and surgeries, but also the long- term expenses of care.
When every health care policy, including those available through Medicare, has its own set of rules and restrictions, it can seem complex to pick an option that fits your needs. Seeking advice from a licensed insurance or Medicare professional can aid in discussing plan options, and whether you could benefit from supplementing your health care plan. For instance, you could consider adding another policy that would cover the costs of a home aid.
If you’re deciding on pursuing more information regarding long-term coverage, it may be beneficial to reach out to a professional who can help assess your options. At Celtic Guard, we assist our clients in choosing a plan that works with their preferred lifestyle. We help our clients feel more prepared and confident in their financial future.