OUR Personal retirement planning philosophy
Retirement planning is an intricate balance of steps and exercises designed to balance your retirement goals and dreams with your investment strategies. Additionally, we address the often overlooked importance of a well structured tax plan and ongoing retirement plan review. As your situation changes, so should your retirement plan. At Lineweaver Financial Group, we utilize seven principles to create your retirement roadmap:
LFG Retirement Roadmapping
- Properly Estimating Retirement Requirements. It is essential when planning for retirement to take into account not only essential costs (including healthcare), but also the non-essential expenses that will be part of your desired lifestyle during retirement.
- Creating Your Particular Risk Profile. Each individual retiree has their own set of unique personal retirement risks. Determining practical methods for managing those risks is vital.
- Making Retirement Funds Last Longer. Outliving your financial resources is a common concern, and thus it is important to have the correct tax, investment, insurance and estate planning strategies in place.
- Recognizing and Planning For Income Gaps. Filling perceived future income gaps can be accomplished in many ways, and is important to help you enjoy your desired lifestyle and meet your financial obligations.
- Converting Assets into Retirement Income. There are many methods for converting assets into income, so you must make sure you have the appropriate instrument and liquidity mix that is suitable for your situation.
- Managing Pass-Along Assets. Assuming your income needs are satisfied, you may wish to pass along assets to family, friends, charities, etc. Minimizing inheritance taxes and stretching out the life of legacy assets requires careful and knowledgeable planning.
- Basic Plan Maintenance. Just because you retire doesn’t mean your life stops changing. Review at least on an annual basis to ensure your retirement plans continue to be aligned with your retirement goals.
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Case studies are intended to illustrate the types of financial issues faced by actual clients. They should not be construed as a testimonial for or endorsement of Lineweaver Wealth Advisors. They do not represent the experience of any advisory client. Each client’s situation is different, and their goals may not always be achieved. Lineweaver Wealth Advisors, LLC, is not engaged in the practice of law or accounting. Tax information provided is general in nature and should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Tax rules and regulations are subject to change at any time.
Crain's Cleveland Business is a print and online newspaper delivering local business news and information to Cleveland's business executives, which is published by Crain Communications Inc. The Crain's 2024 list may employ different methodology than described above for similar designations granted in other years. No clients were consulted and no fees were paid to determine the winners; the award is based on assets under management. Neither the participating candidates nor their employees pay a fee in exchange for inclusion on Crain's 2024 List. However, recipients may pay a fee to Crain, an affiliate, or an unaffiliated third party in exchange for plaques or article reprints commemorating the designation. The publication should not be construed by a client or prospective client as a guarantee that they will experience a certain level of results if the recipient is engaged, or continues to be engaged, to provide investment advisory services; and should not be construed as a current or past endorsement of the recipient by any of its clients. Lineweaver Wealth Advisors was ranked in the Top 25 of Crain’s of Cleveland’s annual list of Registered Investment Advisors. The award is based on assets under management in the years 2024. In 2023, Lineweaver Wealth Advisors was ranked in the Top 15 of Crain’s of Cleveland’s annual list of Registered Investment Advisors. The award is based on assets under management in the years 2023. In 2021 and 2022, Lineweaver Wealth Advisors was ranked in the Top 20 of Crain’s of Cleveland’s annual list of Registered Investment Advisors. The award is based on assets under management in the years 2021 and 2022 respectively.
Nominees in the Top 100 Magazine selections are not required to pay a fee for consideration. Individuals appearing in half and full page editorials, have paid a fee for additional exposure. Candidates for consideration are selected utilizing proprietary software. Top 100 Magazine analyzes the results before making their final selections. Financial Professionals and/or wealth managers must also met the following criteria; 1. Be registered with the SEC as a registered investment advisor or a registered investment advisor representative; 2. Have no more than 1 filed complaint with a regulatory agency; 3.Never been convicted of a felony. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the Financial Professional by any client nor are they representative of any one client's evaluation. Participants for the Top 100 in Finance appearance were reviewed in 2022, and recognized in March of 2023. Lineweaver Financial Group appeared in Money magazine in 2015, Fortune Magazine in 2016, WTAM 1100 in 2018, Forbes in 2020, Channel 5 in 2020, and Top 100 in Finance in 2023.
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