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Wagner & Associates


Retirement Strategies

Making the transition into retirement typically happens within a five-year time frame. Those brief years are critical for bridging the gap between your pre-retirement years (when you were accumulating wealth) and your retirement years (when you’re relying on the wealth you’ve worked hard to build).

We strive to help clients develop a suitable retirement strategy. Working with individuals and families transitioning into retirement, we offer a wide array of services, including:

Retirement Income Strategies

Creating an income strategy is a critical element of a solid retirement plan. A major financial goal is to have a consistent and reliable stream of income that will last through retirement. By developing a strategy, we can help you address critical questions, like how to shift from retirement savings to retirement income, how to estimate monthly income, and how to help ensure those assets last. This may include annuities, rolling over 401(k)s into IRAs, and/or other solutions.

Social Security

As Baby Boomers approach retirement, questions and concerns abound. Is the Social Security system financially healthy? How much will my income benefit be? How do I maximize my benefits? When should I begin taking Social Security? We understand the complexity of Social Security and we can address your questions and help you determine how and when to claim Social Security.

Estate Preservation

Preserving wealth and transferring an estate to family and heirs can be complicated and confusing. If an estate plan isn’t set in place, one’s wishes may not be carried out, as the estate will be transferred to the state to handle according to probate laws. We seek to demystify the common misconceptions of estate preservation, assist you in articulating estate transfer needs, and coordinate the work of other professionals who may be needed, including attorneys and CPAs.


Insurance can protect clients’ heirs in the event of their death, and it can be self completing in the event of disability, meaning benefits may become available if one were to become totally disabled. We can help you determine what type of coverage is most appropriate for you. We have access to a wide array of insurance products, including term life, whole life, universal life, variable life, survivorship, single premium policies, long-term care, and long-term disability insurance. We can also help you understand your Medicare and Medicaid options and review current policies.