Retirement
Secure Your Golden Years
Comprehensive Retirement Income Planning
Personalized Income Strategies
Retirement isn’t the end—it’s the next chapter. We help develop income plans that reflect your goals and lifestyle, balancing sustainable withdrawals with tax-efficient strategies to help you make the most of what you’ve worked so hard to build.
Lifestyle-aligned Planning
Think of the retirement you’ve dreamed about:
traveling the world or relaxing at home. Our plans are designed to reflect your ideal lifestyle while adapting to changes, helping ensure financial stability through every twist and turn.
Long-term Care Preparedness
No one plans to need long-term care, but being prepared can make all the difference. Our strategies consider the costs of care and the impact on your savings, helping you face the future with confidence.
Plan for a confident retirement
Retirement is an opportunity to design a life you love. We aim to help you plan for sustainable income, healthcare, and long-term care, all while preserving your legacy. Our thoughtful strategies adapt as you do, working to add security and enjoyment throughout this exciting stage of life.
Get to know what else we can do for you.
Holistic Financial Planning
Medicare Coverage Options
Insurance
Investments
Retirement
Confidently Plan for Your Retirement Years
Your Questions About Retirement Planning, Answered
Retirement planning is more than just saving—it’s about creating a sustainable income strategy, managing risks, and ensuring financial security for your future. Below, we answer key questions to help you plan for a confident retirement.
How do I determine how much I need to retire?
The amount needed for retirement varies based on factors like lifestyle goals, healthcare costs, and inflation. A common approach is the 80% rule, which suggests aiming for 80% of your pre-retirement income. However, we take a more customized approach by analyzing expected expenses, income sources, and market conditions to help develop a plan that aligns with your specific financial situation.
What strategies can help ensure a steady income in retirement?
A well-designed retirement income strategy typically includes multiple income streams, such as Social Security, pensions, annuities, and investment withdrawals. To help minimize market risks, we use structured withdrawal strategies, consider tax-efficient distributions, and explore options like The Bucket Plan® to segment assets based on short-, mid-, and long-term needs. These strategies aim to provide a steady income while reducing unnecessary financial stress.
How can I help protect my retirement savings from inflation?
Inflation can erode the purchasing power of savings over time, making it essential to invest in assets that have the potential to outpace rising costs. Diversified investment strategies, including stocks, real estate, and inflation-protected securities, can help mitigate inflation risks. Additionally, planning for long-term care and healthcare costs early can prevent inflation from significantly impacting your retirement security.
When should I start taking Social Security benefits?
Social Security benefits can be claimed as early as age 62, but delaying until full retirement age (or later) may result in higher monthly payments. The best time to claim depends on factors like longevity, other income sources, and tax implications. We help assess your unique situation to determine a strategy that optimizes your Social Security benefits while balancing other retirement income streams.
How can I plan for healthcare costs in retirement?
Healthcare expenses tend to increase with age, so planning ahead is crucial. Options like Medicare, supplemental insurance, and long-term care insurance can help manage potential costs. We help analyze your healthcare needs and explore strategies to incorporate these expenses into your retirement plan, aiming to reduce financial uncertainty and ensure you have adequate coverage when you need it most.
Overview
Location
Our Office
222 Indianapolis Blvd, Schererville, IN 46375, United States of America
Suite 201
Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its corporate registered office in the State of Ohio. PCA and its representatives are in compliance with the current registration requirements imposed upon registered investment advisers by those states in which PCA maintains clients. PCA may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Any subsequent, direct communication by PCA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Hammer Financial Group] and PCA are separate, non- affiliated entities. PCA does not provide tax or legal advice.(Insurance, Medicare Supplements and Tax Services offered through Hammer Financial Group are not affiliated with PCA. Information received from this website should not be viewed as investment advice. Content may have been created by a Third Party and was not written or created by a PCA affiliated advisor and does not represent the views and opinions of PCA or its subsidiaries. This site may contain links to articles or other information that may be contained on a third-party website. PCA is not responsible for and does not control, adopt, or endorse any content contained on any third party website. For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money.
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Scott Luecke offers Securities through Innovation Partners, LLC (IPLLC) Member of FINRA/SIPC. IPPLC is a registered broker dealer. Scott Luecke is aRegistered Representatives of Innovation Partners LLC. Check the background of this investment professional on FINRA's BrokerCheck. Hammer Financial Group and Innovation Partners LLC are not affiliated entities.
The information and opinions contained in any of the material requested from this firm or their materials/website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. The information is not affiliated with or endorsed by the U.S. Government or the federal Medicare program. You may be contacted by a licensed insurance agent. Calling the number above will direct you to a licensed insurance agent. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE.
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