Retirement Planning


Successful retirement planning is based on analyzing accurate information regarding each client's particular situation and goals. With a thorough understanding of our clients’ personal and financial goals, their resources, and subsequent income needs, we can determine how these goals and needs can best be accomplished.

In the current environment of economic uncertainty and the questionable ability of the Social Security system to provide adequate retirement income, many people are motivated to implement a personal retirement savings plan to build the funds necessary to retire comfortably. At WFA Asset Management Corporation, we help our clients determine the amount they need, and the manner in which they may most effectively build the funds required to accomplish their goals.

Paramount to the accomplishment of any goal is a well thought out plan. To paraphrase Lewis Carroll in Alice in Wonderland: If you don’t know where you're going, any road will take you there. The problem with retirement; there is no turning back, so you better take the right road.


In the pre-retirement years, we help our clients maximize the benefits of retirement plans and IRA's, and at the same time minimize current income taxes. Some common questions we help our clients answer:

  • Should I contribute to my company's retirement plan, and if so, how much?
  • Am I saving enough for retirement?
  • How much can I expect to have at retirement?
  • Should I make Roth IRA contributions or Traditional IRA contributions?
  • Should I convert my existing IRA to a Roth IRA?
  • How should my retirement assets be diversified?
  • When can I expect to retire?


Retirement, while marking the end of many clients' working life, is a whole new beginning. Proper planning and realistic goals can go a long way toward sustaining a level of financial security throughout retirement. Some common questions we help our clients answer:

  • How long will my money last?
  • How much do I need to earn on my invested assets during retirement?
  • How much can I spend each month?
  • Am I accomplishing my goals?
  • How do I get money out of my plans and/or my IRA's?
  • Should I draw off of tax qualified or non-qualified assets?

PLEASE NOTE: There is no single portfolio for everyone. Your asset allocation is based on four factors: goals, horizon, risk tolerance and financial situation - a set of conditions that are unique to you right now.