Raleigh’s Retirement Specialist
You know the retirement lifestyle you desire. Whether you are just beginning to save and invest, or you have been doing so for a long time, we bring a unique perspective to your situation. Today, more than ever, we find that our clients are just as concerned about healthcare during their retirement years as they are about wealth care. Carawan Financial Partners engages valuable resources to address healthcare, long term care and social security optimization as integrated components of the financial plans that our advisors provide to our clients. What good is a plan that excludes these three key issues? Imagine what it would be like to attain the retirement lifestyle that you desire! Proper planning can help you get there. Derek has lived in Raleigh, North Carolina since 1980. During this time, he has developed professional relationships that enhance the value that he provides to his clients.
Derek Carawan and his team design plans with attention to risk and need for growth. Isn't it important to develop a predictable plan that strives to provide the highest degree of certainty? Our approach tends to focus on a targeted savings/investment rate during the earnings years from age 20 to 50. As clients approach 50 years of age, this trend continues but sometimes more attention must be paid to market risks. Here is where we begin to have conversations about long term care needs and the many approaches to this topic. We believe clients should continue to save and invest as they age out of their fifties with particular attention paid to developing a healthcare plan. Though it is a complex topic, Carawan Financial Partners helps our clientele sort through the complexities so that we can develop a plan to address this critical need.
Social Security Optimization is a primary focus for our clients as they approach retirement age. It is one of the most overlooked items in the retirement planning process. Social Security Optimization may uncover multiple techniques that an individual or couple can use to maximize social security income versus taking a "traditional" social security benefit.
This comprehensive approach is what sets Derek Carawan and the team at Carawan Financial Partners apart.
No strategy ensures success or protects against a loss.
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Whole life insurance remains in force as long as you remain current with premiums. Here's how it works.
It May Be Time for a Financial Checkup
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Estimate how much income may be needed at retirement to maintain your standard of living.
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Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.
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Estimate your monthly and annual income from various IRA types.
Determine your potential long-term care needs and how long your current assets might last.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
The importance of life insurance, how it works, and how much coverage you need.
Investment tools and strategies that can enable you to pursue your retirement goals.
The chances of needing long-term care, its cost, and strategies for covering that cost.
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