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Retirement Income Planning

Navigating retirement involves balancing new opportunities with financial considerations. We focus on creating an income strategy that supports your goals while addressing key challenges such as inflation, Social Security timing, and diversified income sources. Our process begins with a detailed review of your financial situation to create a strategy that reflects your priorities.

As your needs evolve, we revisit and adjust your plan, helping it remain aligned with your circumstances and goals. This approach is part of our broader Lifestyle & Legacy Plan, which integrates income planning into a comprehensive strategy for managing life’s financial complexities.

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Our Goal: Lifetime Income Security

The goal of the Income for Life Plan is simple—To create an income plan to ensure that you and your family will have increasing income for your entire retirement. We work with you to address key concerns such as market fluctuations, inflation, and your desire for financial independence.

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Key Benefits of the Income for Life Plan

Optimize Social Security

Social Security benefits can be a cornerstone of your retirement income. Our approach helps you determine the best time to claim benefits, understand spousal benefits, and develop a withdrawal strategy that aligns with your retirement timeline.

Build a Lifetime Income Stream

A steady and reliable income is essential for retirement security. We help create diversified income sources, including investments, annuities, and pensions, to help support your lifestyle without worrying about running out of money.

Prepare for Inflation

The cost of living continues to rise, and your income needs to keep up. Our planning process includes strategies to help your purchasing power stay strong over time, ensuring you can maintain your standard of living for years to come.

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Birthdays Over 50 Worth Celebrating

Before you start planning for retirement, make sure you put these relevant dates in your calendar. Beginning at 50 years old, there are several birthdays that are essential to be aware of as they can influence your retirement timeline and overall financial plan.

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How We Approach Retirement Income Planning

At D&S Wealth Management Group, we take a personalized approach to your financial future.

By combining thoughtful planning with a forward-looking perspective, we help make the complexities of retirement income planning more manageable and focused on what matters most to you.

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Assessing Your Current Financial Situation

We take a comprehensive look at your assets, income sources, and lifestyle goals to determine where you stand.

Developing a Customized Income Strategy

Based on your unique needs, we create a diversified income plan that incorporates Social Security, personal savings, and other financial resources.

Incorporating Inflation Preparedness

Rising costs can impact your retirement lifestyle. We incorporate strategies to help maintain your purchasing power, ensuring your income grows in line with inflation over time.

Monitoring and Adjusting Over Time

Your financial needs will evolve, and we’re here to provide ongoing support to keep your retirement income plan aligned with your goals.

Common Questions About

Retirement Income Planning

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The right time to claim Social Security benefits depends on various factors, including your health, financial needs, and long-term retirement goals. We help you weigh your options and make an informed decision.
By diversifying your income sources and creating a flexible withdrawal strategy, we help you develop a sustainable plan that adapts to market changes and lifestyle adjustments.
Inflation can erode your purchasing power over time, which is why we incorporate strategies that help your income grow to meet rising costs.

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Are You on Track to Reach Your Financial Goals?
Every step of your financial journey matters. At D&S Wealth Management Group, we’re here to help you navigate life’s challenges and opportunities with thoughtful strategies and personalized insights. Let’s work together to create a financial plan that aligns with your goals and priorities.
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Your Financial Goals, Our Priority.
At D&S Wealth Management Group, we provide strategies to simplify the complexities of financial planning. Let’s work together to create a plan that supports your goals and long-term vision. Let’s work together to create a financial plan that aligns with your goals and priorities.
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Start Your Financial Journey with Confidence
Every decision matters. At D&S Wealth Management Group, we provide thoughtful insights and a collaborative approach. Let’s create a financial plan that reflects your values and long-term aspirations. Let’s work together to create a financial plan that aligns with your goals and priorities.
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D&S Wealth Management Group, LLC (DSWMG) is a registered investment advisor located in North Potomac, Maryland.  DSWMG and its investment advisor representatives are in compliance with the current filing requirements imposed upon state-registered investment advisors by those states in which DSWMG maintains clients. DSWMG may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements.   Additional information, including our services, advisory fees, and other helpful disclosures, can be found in our Form ADV Part 2, which is available upon request or on the SEC’s website here.

Investment advisory services are offered through DSWMG. Insurance services are offered through D&S Insurance Solutions, LLC.  Accounting and tax services are offered through Deleon & Stang, CPAs and Advisors.

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