Financial Services & Planning

One stop. Many options.

Preparing for retirement should create excitement, not concern. Yet for many, that's not necessarily the case.

A recent study found that 72 percent of Americans indicated they would be willing to give up smaller pay increases in exchange for steady and reliable income in retirement. In the same study, 77 percent said the disappearance of pensions has made it harder to achieve the American dream.1

That’s where we come in.

We use insurance products, such as fixed annuities, and a variety of investment products to help you build financial strategies. From tax-efficient strategies to investment advice to protecting some of your assets — we’ll cover as many bases as possible to help you create a strategy that supports your retirement lifestyle and long-term financial goals.

Once we understand your financial situation, risk tolerance and investment objectives, we can help you decide which types of products and services fit within your financial strategy.

1The National Institute on Retirement Security. February 2017. “Retirement Security 2017: A Roadmap for Policy Makers – Americans’ Views of the Retirement Crisis and Solutions.” Accessed Jan. 30, 2018.

SMART Planning

Retire SMART advisors know that retirees need more from their financial plan than money management. SMART Plans are a coordinated effort between financial advisors, attorneys, tax professionals, and healthcare specialists. These are our five key areas of retirement planning.

S

Sources of Income

Most people are fearful of running out of money in their retirement. Identifying which accounts, when and how much to draw from them, along with knowing tax implications from all your sources of income can be confusing. We provide a comprehensive written income plan, so you know what’s possible.

M

Medical & Healthcare

One of the greatest expenses in retirement, we help you navigate and identify the best options to maximize coverage and minimize overall healthcare costs, while providing creative solutions for other potential costly care.

A

Advanced Financial Planning

Our holistic approach to retirement planning requires an in-depth financial analysis to help you make informed decisions about your financial future so you can enjoy life today and leave a legacy in the future. Your retirement plan must be coordinated with your legacy plan to maximize benefits and minimize taxes.

R

Risk Management

Markets have ups and downs, but losses in retirement are not just “paper losses”. They can have real and dramatic lifestyle consequences. Risk management strategies can limit losses and help keep you on track regardless of market conditions. We will align your plan to fit your risk comfort level.

T

Tax Efficient Strategies

Taxes can be a major retirement expense. There may be strategies to permanently reduce your income taxes in retirement and help you keep more of your hard-earned income. We look for every opportunity to minimize taxes and take proactive steps to provide the best possible retirement outcome.

SMART Wealth, LLC is a federally registered investment adviser under the Investment Advisers Act of 1940 and an affiliate of Retire Smart. Registration as an investment adviser does not imply a certain level of skill or training. The communications of an adviser provide you with information about which you determine to hire or retain an adviser. Information about SMART Wealth, LLC can be found by visiting www.adviserinfo.sec.gov and searching by the adviser’s name. This is prepared for informational purposes only. It does not address specific investment objectives. All investments are subject to risk including the potential loss of principal. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.

We can also refer you to professionals who provide the following services:

Trusts | Probate | Charitable Giving | Estate Planning | Tax Planning

COLIN KASTRICK

COLIN KASTRICK

Attorney, Kastrick Law

A native Nebraskan who earned his undergraduate and law degree from the University of Nebraska. Colin works with clients from a variety of backgrounds and asset levels, assisting them with simple wills to more advanced estate planning strategies of wealth transfer and asset protection to minimize or eliminate income and estate taxes.

Colin also works with new or established business owners to form and maintain their business, reduce their income taxes, and protect their personal assets, as well as retiring business owners who wish to find the most optimal way to sell their business or preserve it for future generations.

He is a member of the Nebraska Bar Association, Iowa Bar Association, American Bar Association and the estate planning specialty law groups, Wealth Counsel and Elder Counsel. Colin and his wife, a medical resident at UNMC, live in Omaha and enjoy spending time with friends, playing tennis and golf, and he’s an avid automobile enthusiast.

Attorney Colin Kastrick and Kastrick Law, LLC are not affiliated with Retire SMART. However, Kastrick Law is a tenant of, and may share clients with, Retire SMART.

Retirement Income Strategies

Retirement Income Strategies

We can help you decide which types of products may work best within your overall financial strategy.

Wealth Management & Investments

Wealth Management & Investments

You may be able to use time to your advantage when investing for wealth accumulation.

Life Insurance

Life Insurance

If helping loved ones maintain a standard of living and avoid financial hardships after your passing is a priority for you, life insurance products can help.

Tax-Efficient Strategies

Tax-Efficient Strategies

Rising taxes may be a concern for anyone — especially for individuals approaching retirement.

Annuities

Annuities

Adding an annuity may be an opportunity to help ensure a portion of your retirement income will be guaranteed.

Asset Protection Strategies

Asset Protection Strategies

Diversifying your retirement assets among a variety of vehicles may offer you the best chance of meeting your retirement income goals.

Ready to take

The Next Step?

For more information about any of our products and services, schedule a meeting today or register to attend a seminar.

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