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Empowerment Through Education
Estate Planning Consultants, Inc. Helps Clients Make Informed Choices
About Their Retirement Money
Y
ou’ve been getting ready for
years, faithfully putting money
into your 401(k), your IRA and
other retirement accounts in anticipation of the time when you would no
longer work. Now comes the hard part:
generating a retirement income that will
meet your needs and last your lifetime.
“Figuring out what to do with
your retirement money is one of the
biggest decisions you’ll ever make,”
says Ronald R. Dowling, founder of
Estate Planning Consultants, Inc., in
Mokena, Illinois. “It can also be one of
the most daunting.”
Equally important – and almost
as daunting – is when and how to start
receiving Social Security benefits.
Married couples, for example, can draw
their benefits in a variety of ways.
It’s not that there’s a shortage of
information or advice on how to retire
successfully. Indeed, anyone who
regularly surfs the Web or follows the
news can easily suffer from a surfeit of
advice, much of it contradictory and
confusing. It’s easy to become overwhelmed. Fortunately, Estate Planning
Consultants is here to help guide you.
Ronald Dowling and his son,
Joseph W. Dowling, the firm’s vice president, are dedicated to helping retirees
and pre-retirees make informed and
emotionally devastating; it can mean a
significant reduction in income – around
40 percent, on average, in lost pension
benefits and Social Security income.
“We want to make sure we have a
plan in place to replace that income,”
Ronald Dowling says. In fact, every
client receives a comprehensive financial
plan based on his or her unique circumstances. Depending on the client’s
needs, the document may cover estate
planning and even Medicaid planning
to protect assets from the Medicaid
spend-down.
Ronald R. Dowling and Joseph W. Dowling
prudent decisions about their money,
with an emphasis on managing risk and
preserving capital.
The practice devotes a great deal of
time and attention to client education,
and it also holds monthly workshops for
the public. “You cannot make informed
choices about your money unless you
understand what you’re doing,” Joseph
Dowling says.
Many people fail to take into
account, for example, that the loss of
a spouse can be financially as well as
‘We’ve Got Your Back’
Ultimately, Joseph Dowling says,
the client is in control of all financial
decision-making. “We encourage them
to decide how much of their money they
want to risk in the marketplace, how
much they want to allocate towards
principal-protected products that can
go up but not down, and how much they
want to keep in the bank.”
Still, clients can feel confident
the team is keeping an eye on their
portfolios at all times and recommending adjustments as necessary. “Most
people want to know there’s somebody
out there who’s got their back,” says
Ronald Dowling. “At Estate Planning
Consultants, we’ve got your back.”
estateplanconsultants.com | 19614 South La Grange Rd. | Mokena, IL 60448 | 708-479-8771 | joe@estateplanconsultants.com
Investment advisory services provided by Redhawk Wealth Advisors, Inc., an SEC-registered investment advisor.
Insurance and annuity products sold separately through Estate Planning Consultants, Inc.
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