Accumulation & Withdrawal Planning Services
Strategic Wealth Growth & Smart Withdrawals.
Balance your savings and spending with a personalized accumulation and withdrawal strategy. Pathway Advisory Group is a fee-only financial planning firm that helps clients optimize their assets for every stage of life.
What We Do
We strive to provide organization and simplification. Clients often come to us with accounts scattered among many companies. We consolidate these accounts to minimize paperwork, and utilize diagrams to help monitor current income, future income, assets, debt and savings.
During the accumulation years we clarify current life goals and create a workable plan to achieve those goals. As life happens and goals change, we adjust the plan. But, details matter. We must answer the following questions:
What’s the right balance between saving and monthly cash flow needs?
Where to invest discretionary funds? A Roth IRA? A 529 Plan for college? A 401(k)? A taxable account?
Inherited money? Is it better to pay off the mortgage or invest?
Where can we save on taxes?
How to consolidate a hodgepodge of accounts?
How to plan for a secure retirement?
Financial planning doesn’t stop at retirement – it evolves. The transition from accumulating to withdrawals can be tricky. It can also be liberating. We must answer the following questions:
How best to replace earned income?
When to turn on Social Security?
Which account do I grab from?
How much can we withdraw?
What about inflation?
How will our taxes change?
Why We Do It
Accumulating a sizable nest egg is critical. Sufficient wealth makes those dreams and goals come true. Once we’ve got that nest egg, we want to minimize taxes and maximize the deployment of your resources.
What We Don’t Do
We don’t stop monitoring at retirement. We want you and your heirs to get the full benefit of your hard work and prudence.
Secure your financial future.
Contact Pathways Advisory Group today to schedule a consultation and take the first step toward achieving your financial goals.