Retirement planning is more than just saving money—it’s about making sure your investments are working in a way that supports your lifestyle for the years ahead. One of the most important first steps in this process is conducting a cash flow analysis.

A cash flow analysis helps us determine how much income you will need in retirement to comfortably cover your living expenses. From there, we take a deeper look at factors such as taxes, inflation, health care costs, and your personal spending habits. By evaluating these elements, we establish what’s known as a “hurdle rate”—the rate of return your investments need to achieve in order to sustain your retirement lifestyle.

This hurdle rate becomes a valuable benchmark. It allows us to clearly see whether your current savings and assets are aligned with your future needs, or if there are potential gaps that need to be addressed. With this knowledge, we can develop tailored strategies to help close those gaps—whether through investment adjustments, income planning, or other financial solutions—so you can approach retirement with greater clarity and confidence.