Take Your Retirement Helm
At Spyrnal Financial Group, we’re passionate about guiding you through the intricate pathways of retirement planning. We created our custom Take Your Retirement Helm process to help uncover innovative solutions and empower you to make confident, informed decisions about your finances and future.
Identify Your Destination
We start by discovering where you want to go and how close you are to your target. We’ll inquire about financial goals and concerns, then discuss potential routes to keep you sailing toward your ideal retirement.
Chart Your Course
During our second visit, we build a tailored and trailblazing financial plan designed to help you navigate the complexities of finance, tax and giving strategies that will fuel your hopes, wishes and dreams.
Set Sail
Once your strategy is established and agreed upon, we implement and constantly monitor it, working to make sure your voyage is smooth and safe amidst the fluctuating financial seas.
Our Services
At Spyrnal Financial Group, we help guide you to the retirement shores you've long dreamed about by offering a wide array of services and products.
Retirement Income Strategies
Unlike during your working years, where you’ve likely drawn a regular paycheck, at retirement, it’s time to pay yourself. Are you ready to tap into your savings in a strategic way to create an income stream you won’t outlive? We can help.
Wealth Management
We offer a suite of services to affluent clients who are looking for a holistic approach to their financial future, all in one place. We’ll provide you with comprehensive guidance to help reach the goals and dreams you envision.
Investments
Whether you prefer to “set it and forget it,” or you want to actively participate in your investments, we can help you design an investment strategy that matches your risk tolerance and goals. Plus, we know that risk tolerance changes as life happens — so we plan for that, too.
Annuities
Annuities are financial tools that can help you create a stream of income you can’t outlive. But today’s annuities aren’t like those of your parents or grandparents. There are many ways to tailor annuities to fit your needs. We’ll help you compare your options.
IRA/401(k) Rollovers
We can help you evaluate your current IRAs and 401(k)s to determine if a rollover is appropriate for your situation. Whether you’re looking to access the tax-advantaged options a Roth IRA provides, consolidate accounts or explore other savings avenues, we can help.
Asset Preservation Strategies
We keep our eyes on the horizon so you can enjoy your retirement. We’ll design a strategy to help you minimize risk, including the risks of market loss, inflation or liquidity (not having cash accessible when you need it).
Life Insurance
Life insurance can play an important role in an overall financial strategy — both to protect yourself and your loved ones should the unthinkable happen and, in some cases, help preserve your assets for future generations.
Tax-Efficient Strategies
Taxes can take a bigger bite out of your retirement income — or your legacy — than you may be expecting. We can help you develop tax-efficient strategies that fit your overall financial plan, so more of your hard-earned dollars go to you and your loved ones.
IRA Legacy Planning
How you approach your financial planning today defines what your legacy to your loved ones will look like after you’re gone. We can help you understand and employ strategies to help ensure your assets are passed to those people or causes you love.
Long-Term Care Strategies
For retirees, outliving good health can be both a mental and financial blow. Accounting for future long-term care needs not only lifts a weight off your shoulders today but can help your loved ones breathe a sigh of relief down the road.