Retirement Planning

At Trifecta Financial, we plan a retirement path for your needs. We guide you through the retirement planning process to help create financial peace of mind.

Our clients often want to know, “When will I be able to retire?” Whether your retirement is decades away or right around the corner, we offer expert advice to help answer your questions.

We evaluate your situation and determine the right retirement plan for you. Even if you’re already retired, we can still offer advice throughout retirement, especially when it comes time to take your first “RMD” (Required Minimum Distribution) at age 72.

We work with retirement plans including:

  • Traditional/Standard IRAs 
  • Roth IRAs
  • Rollover IRAs
  • Non-deductible IRAs with back-door Roth strategy
  • 401(k) plans
  • 403(b) plans
  • SIMPLE IRA plans (Savings Incentive Match Plans for Employees) for small businesses
  • SEP IRA plans (Simplified Employee Pensions) for self-employed individuals
  • Inherited IRAs
  • NUA (Net Unrealized Appreciation) which is a way to mitigate taxes for employees who have been granted company stock over the years
  • RSUs (Restricted Stock Units)

We have close familiarity with employee benefit plans for many large local employers

Don’t leave retirement funds behind at an old job, we can help you roll-over your 401(k) from a prior employer-sponsored plan to an IRA account.

At Trifecta Financial, we can also assist with inherited tax-qualified accounts after an original owner has passed away.  

When it comes to retirement planning, we also have a close familiarity with the employee benefit plans of many large local employers, such as Caterpillar, OSF, UnityPoint, Maui Jim, RLI, Komatsu, and more.

We are your retirement planning experts and can help you understand and maximize your contributions (including permitted contribution catch-ups for those age 50 and older). We determine your account risk allocation, and we will explain tax implications and differences between various accounts.