Retirement Planning

It’s not going to be your parents’ retirement – rewarded at 65 with a gold watch, a guaranteed pension, and health insurance for life. For many people, retiring in this new century is a mystery. Earlier generations of workers could rely on employer-provided pensions, but now many workers will need to rely on their own work-related and personal savings plus Social Security benefits. These savings have to last longer because many of us are living longer, often into our eighties and nineties.

Today (and tomorrow’s) retirees may well have a new kind of retirement. With a longer and healthier life span we are more likely than previous generations to be an active older America. A longer life, however, will also mean more medical care, some of which will not be covered by the federal Medicare program.

The whole retirement landscape has changed and many find it a mystery. Golden Financial Group can help you take control of your finances so that when you retire, you have the time and money to do what you’ve always wanted.

Whether you are 10, 20 or 30 years from retirement or have a different timeframe – or even if you are already retired – Golden Financial Group will help you unravel the financial mysteries of life after work and to discover changes you can make for a financially secure future.


I Look forward to contacting you.

Social Secuity Planning

Social Security Planning is an integral part of retirement planning. Unfortunately, many consumers and even those in the financial services industry are not educated nearly enough on the Social Security rules and laws to take full advantage of the benefits that could be awarded to them.

Incorporating Social Security planning into your overall financial plan, especially your retirement income plan could have a surprisingly beneficial effect on your total pool of resources. There are many varying strategies for Social Security Planning that may be appropriate for some but are not appropriate for others.

While there is quite a bit of controversy surrounding Social Security and its anticipated changes as of late, everyone agrees that Social Security in some form will be available, especially to those 55 or older. Social Security is one guaranteed income source that everyone, who has participated in the workforce for at least 40 quarters, is entitled to. This will be a portion of your retirement income, so it is important to secure the highest amount you are eligible for.


Golden Financial Group can help you determine which strategies will be most beneficial for your particular situation so you can be sure to get the most from your Social Security Benefits.