Building a Holistic Retirement Plan: Beyond the Numbers
One of the most common questions we get from clients is: Am I on track for retirement? The answer isn’t one-size-fits-all. Everyone’s retirement goals are unique—whether that’s traveling the world, investing in your community, or creating memories with family.
Many people think being prepared for retirement is just about accumulating a magic monetary number, but it’s actually about creating a holistic financial plan that supports the life you’ve envisioned. So, what does “on track” mean for you and your family? Let’s explore this question so you can understand what you need to live the life you want—now and in your golden years.
How to Start Building a Holistic Retirement Plan
While everyone can agree they want to live comfortably when they retire, the reality is the retirement you want probably looks very different from your neighbor’s.
The Kelly Group can guide you through a series of questions to uncover your unique vision and help you craft a wealth management strategy to align with those long-term goals.
Define Your Retirement Goals
A fulfilling retirement starts with clear goals. We can help you think through what activities, experiences, or comforts you want to prioritize.
Here are a few questions to ask yourself:
Traveling: Do you dream of annual international trips, summer vacations with family, or weekend getaways?
Lifestyle: Will you relocate to a quiet cabin, buy a vacation home, or stay put and enjoy more time on the golf course?
Contributions: Do you want to support your grandkids' education, invest in a family business, or give to a cause close to your heart?
Knowing your priorities is the first step in determining if you’re truly “on track.”
Measuring Success Beyond Investments
Many believe the net worth of their investments is the primary indicator of retirement readiness, but our wealth managers look for a more holistic measurement. Think of a retirement plan like a well-orchestrated symphony. Investments may be the violin section, but true harmony comes from balancing each financial piece.
A thorough retirement plan considers portfolio size along with:
Lifestyle goals before and during retirement.
Savings and income streams, such as 401(k)s, IRAs, pensions, and Social Security.
Spending habits and budget.
Managing risks, like healthcare costs and inflation.
At The Kelly Group, we want to align your finances with the life you want to live now and in the future.
Partner With a Wealth Manager to Build Your Plan
Retirement readiness is about more than reaching a certain number, it’s about securing peace of mind.
The Kelly Group is here to help you build an adaptable retirement plan that goes beyond investments. We believe true retirement success isn’t measured by numbers alone—it’s measured by the life you get to live.
Contact The Kelly Group to begin your personalized retirement journey.