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Common Questions

How much money will I need in retirement?

Often during a pre-retirement appointment, a person may have preconceived notions about how much money they will need in retirement. Often we hear folks say “When I retire I won’t need as much money. Life will be simpler, less expensive. I will not spend money on things like lunches and gas.” While there may be some truth to this common notion, in our 28 years of experience, this is rarely the case. Sure, most people will save a few bucks here and there on gas and lunches but typically, when folks first retire, they may have a to do list 35 or 40 years long. Those things cost money, and they typically aren't cheap. As a new retiree you may wish to travel, you may have grand-kids that you want to spoil and so on. We have found that many people need more money than what they were living on while working, at least in the first few years of retirement. When you book an appointment with the Duncan Financial team we will sit down with you, carefully listen to your concerns and work toward a real number that you will need to retire comfortably. Our goal is to give you a frank, realistic look at what will enable you to retire without sacrificing your current lifestyle.

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The retirement process appears complicated. How much help will I receive?

When it’s finally time to retire, it will be a fun time, it’s often a happy time, but it can also be a stressful time. The last thing you want to worry about as you are imagining what your life will look like in retirement is whether or not that i was dotted or that t was crossed. When you work with the Duncan team you can rest assured that you will not have to worry about the paperwork. You may only retire once, but we help people retire every day. So let us do the work and guide you through the process. When it’s time to retire, all you need to do is pick the date. Sit back, relax and let us do all the heavy lifting. We will make sure that your paperwork is filled out and filed correctly. We will follow up with your plan administrator and give you an idea when you should expect to receive your funds. We will open your new account(s) for you and help you manage your retirement income. We make the process as seamless as possible. 

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How can I trust that my Advisor is doing what is right for me and not what is right for himself or his firm?

Duncan Financial is an independent financial services firm. Being independent means we are free to choose investments for our clients without outside pressure to sell proprietary products. Our goal is to always seek what we feel to be the best investment solution for your unique financial situation. We may receive a fee to manage your money, but this fee is based on the amount of assets we manage on your behalf. Therefore, growing your assets with your personal financial goals and risk tolerance in mind is very important to us. In other words, your financial health and well-being is tied directly to our financial health and well-being.

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