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Financial Independence & Retirement

We define financial independence as the point-in-time where you have accumulated sufficient resources to maintain your desired lifestyle – however you define it – for the rest of your life.  There are three essential phases to achieving financial independence:

  • Identifying and establishing your definition of “lifestyle”
  • Approaching the destination
  • Addressing the five primary risks to worry-free financial independence

                                                                       Establishing Your Destination

                  "You've got to be very careful if you do not know where you are going, because you might not get there." - Yogi Berra

Navigating the road to financial independence is a unique and personal journey. At Aegis Financial Partners, we help clients identify and toward achieving their specific goals through a disciplined financial planning process. The right questions yield the best answers:

  • How do you define retirement?
    • Do you stop working for income all together?
    • Should you be working part-time?
    • Consider going back to school?
  • What lifestyle do you want to enjoy when you retire?
  • Have you quantified this lifestyle?
  • Where do you want to live? This does not mean moving to another state for lower taxes or housing costs, but "truly" deciding where you would like to live.
  • When do you hope to begin living this lifestyle?

                                                                  Approaching Financial Independence

While highlighting your big-picture objectives, we will help you address the finer points of your financial life. To gain true confidence that you have accumulated sufficient resources and are ready for retirement, there are several important decisions that must be considered.

As part of our working relationship, these discussions will address:

  • When should you take Social Security?
  • Will Social Security be available when you need it?
  • Have you clearly identified your lifestyle and understand the annual after-tax cash flow needed to achieve it?
  • What will be the effect of inflation and how it may impact your lifestyle?
  • How much can you withdraw from your portfolios?
  • Have you considered future Health Care costs?

                                                                                 Are You Ready?

The decision has been made: you have sufficient resources and can retire with confidence. Before leaving the workforce and transitioning into the next chapter, one crucial question remains. What are the risks you face now?

While these risks are listed separately, they are intricately related. At Aegis Financial Partners, we believe that the most effective solutions work in unity, not isolation. Rather than addressing one or two of the following risks, we assess all of them holistically:

The Five Primary Risks:

While addressing each of these risks, we will ensure that strategies are in place so you can enjoy doing what you want without worrying about your future. 



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