Retirement & Estate Planning














Wealth Preservation/Estate Planning

What you value may be more important than what you own. To follow through on your commitments -- to yourself, your family, and your ideals -- you need to think ahead. A personalized estate plan is important in helping to protect your family and your legacy. A well-constructed strategy can help address your specific estate planning needs including:

  • Minimizing income and estate taxes
  • Transferring wealth from one generation to the next
  • Developing charitable gifting strategies
  • Aligning existing portfolios and retirement accounts with your estate plan


Retirement Planning

The amount you will need in retirement depends on the age you plan to retire, your desired retirement lifestyle, how long you expect to live and the rate of return that you expect to earn on your investments. Social Security and employer-sponsored pension plans will probably provide less of what you will need than they did for your parents.

Consideration should be given to one or more of the following strategies when trying to maximize your retirement income:

  • Clearly prioritized retirement goals and objectives
  • Retirement at a later age
  • Saving more
  • Spending less during retirement
  • Invest to earn a potentially higher rate of return on investments while still feeling comfortable with the level of risk involved
  • Liquidation of non-cash assets
  • Social Security
  • Maximize contributions to qualified retirement plans
  • Invest in IRA

What would you like to do when you retire? Spend a year in Tuscany. Learn to play the piano. Visit every Major League ballpark. Enjoy more time with your grandchildren. Run for local office.

Since many people spend 20-30 years in retirement, you may have the time to do the things you want--but will you have the resources?

I can offer you a variety of insurance and investment products and services that can help you fund your retirement and help you secure your financial future.


Creating a Lasting Legacy for Loved Ones

With hard work and careful planning during your income-earning years, you may have built a healthy nest egg, sufficient to ensure a comfortable, independent retirement. You may actually be in the enviable position of being able to leave something to those you love the most: your spouse, children, grandchildren, and perhaps your favorite charities. Now's the time to seize the moment and put together a plan that creates a legacy for those you love.

Mark Wiskus, Registered Representative offering securities through NYLIFE Securities LLC, Member FINRA/SIPC, a Licensed Insurance Agency 4900 University Ave., Ste. 225, West Des Moines, IA 50266 515.453.1300

 Mark Wisksus is an agent licensed to sell insurance through NewYork Life Insurance Company and may be licensed to sell insurance through various other independent unaffiliated insurance companies

 *Financial Adviser offering investment advisory services through Eagle Strategies LLC, A Registered Investment Adviser Member Agent of The Nautilus Group, a service of NewYork Life Insurance Company

Wiskus Group as well as Eagle Strategies LLC and its affiliates do not offer tax, legal or accounting advice. For advice on such matter consult your own professional counsel. Wiskus Group is not owned or operated by Eagle Strategies LLC or its affiliates.



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