One of the most important goals for investors facing retirement is the comfort of knowing that they can sustain their desired life-style through retirement, without the fear of running out of money.
As older workers transition from the workplace into retirement, retirement planning decisions become more complex – and more critical. These decisions will impact workers’ financial security and enjoyment of life for the rest of their lives.
CRG's retirement income solutions seek to provide you with simple check replacement strategies that deliver predictable income and long-term growth that lasts through retirement. We will guide you step-by-step, using our fiduciary process, to create a customized plan to help you reach your goals and maintain the retirement lifestyle you have worked so hard for.
We leverage the iRetire platform to tailor, manage, and document a retirement income roadmap that will empower you to retire your way.
Here are some of the key questions we help you answer:
We offer prospective clients an initial complimentary, no obligation consultation to discuss your individual needs. If you deem CRG® a good fit for your retirement planning needs, we work with you to develop a personalized retirement roadmap to help you reach your goals.
We advise non-retirees (Accumulation Phase), near retirees (Transition Phase), and retirees (Decumulation Phase) as to the most optimal saving, investing, and spending strategies given their unique situation, with the goal of creating a personalized plan that will generate a sustainable retirement income through retirement.
Key Retirement Analytics:
o Income Analysis
Target Retirement Income (TRI) is a concept we use to shift your focus to your long-term income needs. We provide you with understandable information about your expected income needs in retirement and the risks to which they are exposed. First, we determine how much of today’s income is used for ongoing spending needs. Second, we adjust your spending level to account for the impact of lifestyle changes that come with retirement as well as changes in how you intend to spend your time and money. We express your target retirement income as a percentage of pre-retirement income required to maintain your current lifestyle, post-retirement.
o Tax Optimization
Our tax optimization tool allows us to quickly identify post-retirement optimal tax strategies and show you how to make retirement decisions in the most tax-efficient way. We estimate your effective marginal tax rate and identify an action plan and investment strategy to minimize your post-retirement taxes.
o Social Security Optimization
The Social Security Administration estimates that social security benefits provide more than half of retirement income for 50% of couples and 71% of individuals. Planning for income in retirement involves many variables and risks at the individual level, such as longevity, inflation, fluctuating markets, and taxes. While Social Security is not the single solution for all of these issues, it mitigates some of these risks by guaranteeing a stream of income that is not tied to market performance. Hence the need to optimize your claiming strategy to maximise those benefits. We help you to visualize the exact year and month you should claim and the amount that you will receive.
o iRetire Analysis
iRetire is a retirement planning platform that we use to design a comprehensive retirement savings, investing, and spending strategy personalized to your unique situation. We help you understand where you currently stand relative to your retirement goals and how choices you make today may potentially impact your outcomes later. You receive a holistic retirement savings plan with asset allocation recommendations tailored to your age, income, retirement date, and risk objectives.
Other Planning Services
Cognis Retirement Group® provides other complementary services on an hourly or per-project basis, including:
Once you and your advisor agree on the recommendations, we develop a personalized written plan that is simple to understand and easy to maintain. It is designed to be flexible enough to incorporate dynamic market conditions, your evolving personal circumstances, and fluctuations in the cost of retirement income.
You are welcome to implement it yourself or retain us to manage it on your behalf.
Key client benefits:
We love our customers, so feel free to visit during normal business hours.
9375 East Shea Boulevard, Ste 100 Scottsdale, Arizona 85260, United States
09:00 am – 05:00 pm
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Cognis Retirement Group® (“CRG®”) is a State Registered Investment adviser (RIA), pursuant to the Investment Advisers Act of 1940, as amended, with principal offices in Scottsdale AZ, and branch offices in Greenwood Village CO and Orlando FL.
CRG® and its representatives are in compliance with the current filing requirements placed upon registered investment advisers by those states in which CRG® maintains clients. Copies of CRG’S current written disclosure brochure (Form ADV-Part 2A) and client relationship summary (Form CRS) discussing CRG’s business operations, services, fees, and client relationships are available from Cognis Retirement Group® upon request or may be downloaded from this site under our Legal Disclosures.
This website contains general information about our investment advisory services. It does not constitute an offer to sell investment products or provide advisory services in any jurisdiction in which such offer would be unlawful under the securities laws of such jurisdiction. The information on this site is for informational purposes only and should not be construed as financial, investment, legal, tax, or other advice.
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