Retirement planning
A structured path to retirement, built around your financial goals
Retirement planning is not a single decision. It is a sequence of informed choices, made over years and decades, that compound into long-term financial stability. Our advisors build personalized projections and revisit them with you proactively, so your plan adapts as your circumstances change.
25+
Years average advisor experience
100%
Fee-only advisory model
4x
Annual plan reviews, minimum
0
Commission-based products
Our approach
Retirement planning measured in decades, not quarters
Every client's retirement timeline is different. A 35-year-old contributing to a first employer-sponsored plan faces a fundamentally different set of decisions than a 58-year-old evaluating catch-up contributions and Social Security timing. Our advisors begin with your specific situation and build forward from there.
We do not sell products. We provide independent advice aligned with your financial goals, disclosed fees, and a planning process that adapts as tax law, contribution limits, and your personal circumstances evolve.
Core services
What retirement planning covers
401(k) and employer plan strategies
Employer-sponsored plans remain one of the most tax-efficient vehicles for retirement savings. Our advisors evaluate your plan options, recommend contribution levels relative to your overall portfolio, and coordinate employer match optimization.
For 2026, the elective deferral limit is $23,500. Those aged 50 and older may contribute an additional $7,500 in catch-up contributions. These limits are subject to annual IRS adjustment.
Traditional and Roth IRA planning
The choice between Traditional and Roth IRAs depends on your current tax bracket, expected retirement income, and time horizon. Our advisors model both scenarios using your actual financial data, not generic assumptions.
The 2026 IRA contribution limit is $7,000, with a $1,000 catch-up allowance for individuals 50 and older. Income phase-out thresholds apply to Roth contributions and Traditional IRA deductibility.
Social Security optimization
The age at which you claim Social Security benefits has a measurable impact on your lifetime benefit amount. Claiming at 62 reduces your monthly benefit compared to your full retirement age, while delaying to 70 increases it through delayed retirement credits.
Our advisors model claiming scenarios across a range of ages and coordinate Social Security income with your other retirement income sources, including pensions, portfolio withdrawals, and annuity payments.
Retirement income planning
Accumulation is only half the equation. Converting a portfolio into reliable, tax-efficient income throughout a 20- to 30-year retirement requires a structured withdrawal strategy. We address sequence-of-returns risk, required minimum distributions, and tax bracket management.
Your advisor builds a year-by-year income projection and revisits it at every quarterly review, adjusting for changes in tax law, market conditions, and spending patterns.
Contribution reference
2026 contribution limits at a glance
The following figures reflect current IRS limits for the 2026 tax year. Contribution limits are adjusted periodically for inflation. Consult your advisor to confirm applicability to your situation.
| Account type | Under 50 | 50 and older |
|---|---|---|
| 401(k) / 403(b) | $23,500 | $31,000 |
| Traditional / Roth IRA | $7,000 | $8,000 |
| SIMPLE IRA | $16,500 | $20,000 |
| SEP-IRA (employer) | Up to 25% of compensation, max $70,000 | |
Source: IRS.gov. Limits are subject to annual cost-of-living adjustments. Verify current limits with your advisor or at irs.gov.
How we work
A proactive advisory process
Discovery and baseline
Your advisor reviews your current accounts, income sources, tax situation, and retirement timeline. We establish a baseline projection grounded in your actual data, not hypothetical averages.
Strategy and implementation
We recommend specific contribution strategies, account types, and Social Security timing based on your projection. Every recommendation is explained with its tradeoffs and assumptions disclosed.
Ongoing review and adjustment
Your advisor contacts you for quarterly reviews and proactively when tax law or contribution limits change. The plan evolves with you. You are never left to check in on your own.
Common questions
Frequently asked questions
When should I start planning for retirement?
The earlier contributions begin, the more time compounding has to work. However, it is never too late to build a structured plan. Our advisors work with clients at every stage, from early-career savers to individuals within five years of their target retirement date.
How do you charge for retirement planning?
JAADE Finance operates on a fee-only model. We do not earn commissions on products. Our fee structure is disclosed before any engagement begins, and there are no hidden charges. Visit our fee structure page for complete details.
Should I choose a Traditional or Roth IRA?
The answer depends on your current marginal tax rate, your expected income in retirement, and how many years remain until you begin withdrawals. Our advisors model both scenarios using your specific data and present the projected after-tax outcomes side by side. There is no universally correct answer; the right choice is specific to your situation.
What happens if contribution limits change?
Your advisor monitors IRS announcements and contacts you proactively when limits are adjusted. We update your plan projections and recommend contribution changes accordingly, so you do not need to track regulatory updates yourself.
Your retirement plan starts with a conversation
Our advisors build personalized retirement projections and review them with you proactively. No product pitches. No commission incentives. Transparent fees disclosed before we begin.
JAADE Finance does not guarantee investment returns. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. This content is for informational purposes only and does not constitute investment, legal, or tax advice. Contribution limits referenced on this page are based on IRS guidelines for the 2026 tax year and are subject to change. Projections discussed with your advisor are based on stated assumptions and do not represent guaranteed outcomes. Please consult a qualified financial advisor before making investment decisions.