Retirement Planning For Individuals Over Age 50

Reduce Taxes | Invest Smarter | Optimize Income

Whether it's spending more time with family, traveling, or pursuing a hobby or a calling, you can do it without worrying about running out of money or cheating yourself out of what you could have enjoyed.

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Retirement Planning For Individuals Over Age 50
 Over 20 years helping clients retire with success and confidence
Reduce Taxes
Invest Smarter
Optimize Income

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Live and In-Person Educational Workshop


"Slash Your Retirement Taxes"

Join Our Free Tax-Cutting Workshop (ages 60 to 72)   


Learn More ->

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WHY ECHOLS FINANCIAL SERVICES?
Not all financial advisors are created equal.
 Focused on Retirees

Retirement planning is all we do. We are retirement specialists with the simple goal of helping you experience your best retirement.
 Client Experience 
 
We limit the number of new clients we take so we can deliver massive value, personalized service, and an exceptional client experience.
Creative Strategies

We use creative, proven strategies to make the biggest impact on your retirement success. This is why we are so serious about tax planning.  
Fiduciary

We are held to the highest legal standard of conduct. We place our clients’ interests first and we only recommend what is needed.
 Commission-Free 
 
No commissions. No hidden fees. Our transparent pricing schedule makes it easy to understand exactly how we get paid.
 CRPC® Professional

CHARTERED RETIREMENT PLANNING COUNSELOR℠  designation with over 20 
years experience.

Tax Planning for Retirement Sets Us Apart

 Travis Echols


A vital part of financial planning for retirees is tax planning. Yet so few retirees get any meaningful tax planning. As a result, many retirees get stuck overpaying the IRS year after year…and then, to make it worse, leave their heirs with a big tax problem.


For clarity, let’s be sure to differentiate tax preparation from tax planning. Tax preparation, also called tax return preparation, typically looks backward, one year at a time, to submit the proper tax forms and accurately calculate your tax liability (and how much you owe or overpaid).


Tax planning, on the other hand, looks at taxes in the context of your overall financial picture. A tax planner not only looks in the rearview mirror but will look forward 20 to 30 years at your projected tax liability and ask what can be done to lower your lifetime tax bill.


My goal is to bring to your attention effective tax planning strategies to coordinate with your tax preparer to reduce your lifetime taxes. By anticipating taxes, it is possible to significantly increase how much money you will have in retirement. And every dollar saved in taxes is a dollar to fund your dreams and goals.


So, do you think that it would be a good idea to consider the tax consequences of a transaction before the transaction takes place? If you answer yes, I agree. Next question. How often does your advisor look at your tax return? How would they know the tax consequences of their recommendations if they are not looking at your tax return?


Good tax planning is one of the key areas of retirement success. If you are retired or close to retiring, and especially if you have large retirement accounts, you need an advisor who includes this important aspect of financial planning in their practice. It could save you tens or hundreds of thousands of dollars in lifetime taxes. Read more...


There are many so-called “advisors”. Fewer focus solely on retirement strategies. Even fewer master tax planning for retirees because this requires a significant investment of time and dollars to have the expertise and tools to do this very technical, customized work that is not so easily scalable.
 
To gain more insight into the potential of these tax reduction strategies,
register for your Online Masterclass "How to Take a Hatchet to Your Retirement Taxes" and watch now or schedule to watch later.



The Lonely Lane of Tax Planning for Retirees

Retirement Planning Checklists

Retirement Planning PDF Books

Retirement Planning Paperback Books 


Online Retirement Masterclasses 

These complimentary 30-minute virtual webclasses will help you avoid the big mistakes so you can you live the life you want now while preparing for the future.  

Register Now

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Retirement Planning Services

A fee-only financial advisor for individuals and couples over age 50 planning for retirement. 
We serve as our clients' single, coordinating point-of-contact for all their financial needs. 
Our services include:

RETIREMENT PLANNING

TAX PLANNING
INVESTMENT MANAGEMENT
SOCIAL SECURITY TIMING
RETIREMENT INCOME
OPTIMIZING INSURANCE


 Have peace of mind knowing your money stays with established institutions you can trust:
 

Our Retirement & Tax Assessment Process

We have a carefully designed process to help you make an educated and informed decision about working with us. You will receive a free Retirement and Tax Assessment that can also be used to evaluate other advisory firms you may be considering.
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