There are three main phases of Life. 

1) Learning (Education) 

2) Accumulation (Financial Growth) 

3) Aging (Retirement.) 

The critical Phase of Life is Retirement. You can retire happily when you achieve Financial Independence. The 4% rule states that if you start withdrawing 4% of your savings in first year and then adjust subsequent withdrawals to account for inflation, your Savings can last for 30 years. This means if you have $100,000 at retirement, you have at your disposal $4,000 per year. Even with Social Security Benefits, its hard to survive. To change your post retirement Lifestyle, we can help you with Investment and Insurance Planning.

Social Security Income:

Social Security benefits provide partial replacement income for qualified retirees and disabled individuals, as well as for their spouses, children, and survivors. An individual must pay into the Social Security program during their working years and accrue 40 credits in order to qualify for benefits. To find out how much benefits you will get, please go to https://www.ssa.gov/planners/calculators/