Pre-retirees
Plan Today, Thrive Tomorrow
Approaching retirement can feel like entering uncharted territory. At The Avenue Wealth Management, we help pre-retirees take control of their financial future with comprehensive, goal-oriented planning. We help ensure your money works hard for you today while preparing you for a confident transition into retirement.
Financial Goal Planning
Your goals are personal, and your plan should be too. We help define short- and long-term objectives and align your financial plan accordingly—whether you’re aiming for early retirement, extended travel, or supporting loved ones.
Asset & Liability Analysis
Before charting your retirement strategy, it’s important to understand where you stand. We provide a detailed review of your financial position, evaluating everything from real estate to personal loans, investments, and other obligations.
Retirement Planning Strategy
We don’t just look at your retirement age—we consider your lifestyle vision. Our strategies map out accumulation and distribution phases with projections that support sustainable income and confidence.
Asset Allocation & Management
Pre-retirement is often a time to reevaluate investment risk. We optimize asset allocations designed for reduced volatility while maintaining growth potential to help preserve your wealth through and beyond retirement.
Social Security, Pension & Medicare Review
Claiming your benefits at the right time can significantly impact your financial picture. We help you navigate the complex rules around Social Security, pensions, and Medicare enrollment, so you maximize your benefits.
Long-Term Care & Insurance Planning
Protecting your assets and loved ones requires proactive risk management. We assess insurance needs and help secure strategies such as long-term care coverage, life insurance, and income protection plans.
Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
Insurance is offered through Raymond James Insurance Group. Raymond James & Associates, Inc., and Raymond James Financial Services, Inc. are affiliated with Raymond James Insurance Group.
These policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company.
These policies have exclusions and/or limitations. Guarantees are based on the claims paying ability of the issuing company. Long Term Care Insurance or Asset Based Long Term Care Insurance Products may not be suitable for all investors. Surrender charges may apply for early withdrawals and, if made prior to age 59 ½, may be subject to a 10% federal tax penalty in addition to any gains being taxed as ordinary income. The cost and availability of Long Term Care insurance depend on factors such as age, health, and the type and amount of insurance purchased. Please consult with your financial professional when considering insurance options.
Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation.