RETIREMENT PLANNING
Here's to your financial freedom.
We believe “Retirement” can be better defined as Achieving Financial Freedom. We think financial freedom means: Doing What You Want, With Whomever You Want, Whenever You Want to do It. What does Financial Freedom mean to you?
FREEDOM-FOCUSED RETIREMENT PLANNING
Take action toward financial freedom at every stage.
Whether you’ve achieved it, are close to achieving it, or are still defining what it means for you, AWP can has the tools and expertise required to serve as your dedicated team, focused on fostering your financial freedom.
- Maximize Sustainable Lifetime Income
Develop a plan to create a reliable income stream that supports your lifestyle throughout retirement.
- Enhance Tax Efficiency
Simply put. Pay less. Implement strategies to minimize taxes on distributions, maximize your net retirement income and preserve the growth of your investment assets.
- Mitigate Portfolio Volatility
Manage investment risks by balancing growth opportunities with conservative assets to protect against market downturns.
- Optimize Investment Returns
Use evidence-based strategies intended to help your portfolio achieve strong performance without taking on unnecessary risks.
- Shape Your Legacy
Align your estate planning with your values, designed to help your wealth benefit future generations.
- Enjoy Financial Peace of Mind
Live with confidence knowing your retirement plan secures your financial well-being and freedom.
- Set Clear Retirement Goals
Identify your desired lifestyle, including where you’ll live, activities you’ll pursue, and your ideal retirement age to tailor your savings and pension strategy.
- Evaluate Your Financial Standing
Create a comprehensive net worth statement, start to aggressively eliminate unnecessary liabilities and outline all current and potential income sources, from salary and pensions to investments.
- Maximize Retirement Savings
Maximize contributions to tax-advantaged accounts (457(b), 403(b), 401(a), 401(k)s, IRAs, or Roth IRAs). Build a diversified investment portfolio to balance risk and growth potential. Periodically review and adjust based on market conditions and personal circumstances.
- Plan for Retirement Expenses
Consider basic living costs, discretionary expenses (e.g., budget for travel, entertainment, and other non-essential costs), and inflation impact to account for the rising cost of living over time.
- Understand Social Security & Pensions
Learn how your social security benefits are calculated and the best time to start claiming them. If applicable, understand your pension benefits and payout options.
- Consider Healthcare Insurance Needs
Plan for healthcare coverage and understand what Medicare will and will not cover with Retiree Healthcare Coverage, Medicare and Supplemental Insurance. Consider insurance to cover potential long-term care costs.
- Expect the Unexpected
Create a will and consider establishing trusts to manage estate distribution. Designate trusted individuals to make financial and medical decisions if you become unable to do so.
- Get in the know.
Leverage our resources for those early in their career around FRS Pension & Investment, your 457(b) and other benefits.
- Establish a spending plan and stay out of debt.
Notice, we didn’t say budget. Nobody likes the “B” word. But, knowing how much you have to save, and how to best manage your liabilities will help you on the path to success.
- Protect your income.
Make sure you have the right insurances in place to protect your family if you get injured or are killed.
- Protect your family.
Get basic estate planning documents completed. A Last Will & Testament, Health Care Proxy, Living Will and Durable Power of Attorney at a minimum (possibly a Living Trust, too).
- Create a savings and investment plan.
Define your goals. What does Financial Freedom Mean to you? Then, set up a plan to get and stay on track.
- Build an emergency fund.
Maintain a cash reserve to cover unexpected expenses without disrupting your retirement savings.
Achieve financial peace of mind.
OUR APPROACH
Retirement planning, the way it should be.
We use custom financial planning tools and years of experience specific to our First Responder audience to build your plan, track its success rate, adjust for life’s unknowns, and communicate the results with you in plain English.
First responders, first and foremost.
We know the tax implications of DROP, 457(b), and all things FRS inside-and-out. As a team of tax planning exports and financial advisors specializing in first responders, you should expect nothing less.
We keep it simple.
At AWP, we provide clear, easy-to-understand guidance and actionable advice tailored to your unique retirement goals – so you make informed decisions with confidence, without getting bogged down in complicated jargon or overwhelming details.
Work with a team (not just an advisor).
Our team-based approach gives you a group of experts who apply multi-disciplinary, collective expertise to your tax strategy, and provide for a more seamless integration with the bigger picture of your financial life.
We take an proactive, hands-on approach to helping you secure financial freedom.
A successful retirement plan is a dynamic process that requires regular review and adjustment as your life circumstances and economic conditions change. We focus on:
HAVE YOUR [NEST] EGG, AND EAT IT, TOO
A retirement plan you can feel great about now, and enjoy the fruits of later.
Work with AWP to design an investment strategy that provides steady, reliable income – giving you financial peace of mind throughout retirement.
Get a free retirement assessment.
An investment analysis, pension max analysis, and a tax return review – free for first responders.
Schedule a free consultation.
Share your vision for the future, and we’ll share how we can help get you there.
Helping first responders retire well since 19991.
Atlantic Wealth Partners (AWP) has built a legacy of trust and expertise in financial planning for over two decades. Our deep understanding of the unique challenges faced by first responders has allowed us to provide tailored retirement and financial planning solutions.
Our legacy is rooted in dedication, longstanding relationships, personalized service, and a deep commitment to supporting the financial well-being of those who serve our communities. See the history of our firm and how we have been catering to the needs of Florida’s First Responders since 1999 here.
When you work with Atlantic Wealth Partners, you get more than just an advisor – you gain a team of seasoned professionals that are held to a higher standard of financial planning and estate planning, working to guide you through your financial journey with the respect and integrity you deserve.
FREE RESOURCES
First-Responder Retirement Planning Tools & Guides
Designed for Florida first responders. Powered by AWP.
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