Financial, Tax, and Estate Planning Services near Hagerstown, MD

Pre-Retirement

Goal Clarification and Prioritization:

Help to clearly define your desired retirement lifestyle (travel, hobbies, etc.) and translate those dreams into concrete financial goals.

Work with you to prioritize these goals, considering factors like desired retirement age and projected expenses.

Retirement Income Planning

Analyze your current retirement savings (401(k), IRAs)

Explore options for maximizing contributions to retirement accounts, taking advantage of catch-up provisions if eligible.

Advise on Social Security claiming strategies to optimize your benefits.

Investment Strategy Review

Evaluate your current investment portfolio and risk tolerance.

Recommend adjustments to your asset allocation, potentially shifting towards a more conservative mix as you near retirement.

Develop strategies to help manage investment risk and potential market fluctuations.

Tax Planning Strategies

Explore tax-efficient strategies in retirement. This could involve Roth conversions or better positioning tax-advantaged accounts.

Help you anticipate tax implications of different retirement income sources.

Debt Management

Develop a plan to pay off high-interest debt (credit card debt) prior to retirement, creating a more secure financial foundation.

Advise on managing any remaining debt (mortgages) in a way that is comfortable within your retirement budget.

Healthcare Planning

Discuss potential healthcare costs in retirement and strategies for managing them (Medicare, supplemental insurance).

Help you factor these costs into your overall retirement planning.

Estate Planning Strategies

Review to see if you have a will and power of attorney in place.

Discuss options for minimizing estate taxes and efficiently passing on wealth to beneficiaries.

Beyond The Numbers

Offer emotional support and guidance as you navigate the psychological transition towards retirement.

Help you address any anxieties or uncertainties related to your financial future.

Ongoing Support

Regularly review and adjust your plan as your circumstances and market conditions evolve.

Provide ongoing guidance and answer questions that may arise throughout your pre-retirement and retirement journey.

The future belongs to those who prepare for it today.

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cortnie.beaver@prudential.com

223-386-6521

20140 Scholar Drive • Suite 311 • Hagerstown, MD 21742

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www.finra.org
www.sipc.org
LPL Enterprise Form CRS

Cortnie Beaver is a Financial Planner with, and offers securities and investment advisory services through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial.

LPLE and LPL Financial are not affiliated with Skye Wealth Management.

The LPL Enterprise registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

This information is not intended as authoritative guidance or tax or legal advice. You should consult with your attorney or tax advisor for guidance on your specific situation.

Skye Wealth Management does business in the following states:

Securities: DC, MD, PA, VA, WV Variable Life Insurance: DC, MD, PA, VA, WV
Mutual Funds: DC, MD, PA, VA, WV Fixed Annuities: DC, MD, PA, VA, WV
Life Insurance: DC, MD, PA, VA, WV Variable Annuities: DC, MD, PA, VA, WV

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

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