Retirement Planning Services
Build the Future You Deserve.
Secure, grow, and enjoy your retirement with a customized plan designed for lasting financial confidence. Pathway Advisory Group is a fee-only financial planning firm, based in Fresno, CA, helping individuals and families turn dreams into reality.
What We Do
For most people, retirement means “financial freedom”. The freedom to choose to stop working, to work part-time, or to continue full-time. The goal is to find the “special balance” that is right for you.
Our goal is to help you envision what this time might look like – how that “special balance” might look. Then, we begin to quantify. What income and assets are required to fund a secure retirement? Are we “on the right path” towards building the required nest egg for full security. If there is a shortfall, we discuss options: saving more, working longer, revising goals. We employ computer projections to help with the decision-making.
Of course, mapping out a plan for retirement is only part of the story. We need to find the right balance between building a secure retirement and achieving those near-term goals such as remodeling, travel, hobbies, college and a vacation home. Not to mention living comfortably today.
During retirement, we periodically revisit the Retirement Projection to be sure we are not straying from a secure future. Excessive or unexpected spending, inflation and periods of low investment returns can adversely affect a plan.
On the other hand, some clients are super secure. Spending could increase. Gifting could be considered. Sometimes these clients feel as though they are now stewards of their wealth for future generations.
Why We Do It
Having a reliable assessment of financial security is vital. Clarity is the name of the game. If we are planning for a future retirement, we need to know if we are building wealth rapidly enough. Also, if we are retired and have surpassed our funding goals, this too is important to recognize. Financial freedom might mean the freedom to enjoy a more fulfilling life. Sometimes “super savers” need permission to shift gears and spend or gift more freely.
What We Don’t Do
We do not stop our planning and analysis at the point of retirement. The question “Can I afford to retire?” is the most critical pre-retirement question. Post retirement, the goal is monitoring financial security. Finding peace of mind within the proper balance.
Secure your financial future.
Contact Pathways Advisory Group today to schedule a consultation and take the first step toward achieving your financial goals.