— Retirement Planning —
A retirement strategy
built around your goals.
All of them.
Lifestyle. Travel. Family. Giving. Legacy. Flexibility. We help you bring the financial pieces together around what matters most to you.
Est. Chicago — 1990
— Why It Matters —
For years, the focus was building: earning, saving, investing, accumulating. Retirement asks your wealth to start doing more for you.
— Why It Matters —
Retirement changes the
purpose of your money.
Create income
Your savings and investments now need to help support the life you want to live.
Protect what you've built
As your priorities change, so can the role of risk and protection within your financial strategy.
Plan for a longer tomorrow
Inflation, healthcare costs, changing priorities, and a retirement that could span decades all deserve a place in the conversation.
Leave room for life
Travel. Family. Giving. Big plans. Unexpected expenses. Your strategy should support the future you planned for while leaving room for the life you could never completely plan.
Every part of your plan should have a purpose. And you should understand exactly what that purpose is.
— Our Approach —
A retirement strategy
built around your life.
There is no universal number that makes someone “ready” to retire. That’s why we start with you.
We look at the life you want to live, the wealth you’ve already built, the income available to you, the risks worth considering, and the priorities that matter most.
From there, we help bring the pieces together around three priorities.
— Priority One
Protect your retirement foundation
The first priority is making sure the life you want has a strong financial foundation behind it.
That means looking at income, liquidity, risk, and the assets you’ve already built, and considering how they can work together to help support you throughout retirement.
The goal is simple: create a foundation you can rely on, so more of your attention can go toward actually living retirement.
— Priority Two
Help your wealth go further
Once the foundation is in place, we can look at what may help your money work harder and more efficiently.
That may mean reviewing costs, taxes, risk, and growth opportunities, and looking for ways your wealth can support more of the lifestyle you imagined for retirement.
More travel. A new hobby. Helping family. Giving more. Or simply having greater freedom to say yes when something matters to you.
— Priority Three
Keep looking forward
Retirement planning also means thinking beyond the years immediately ahead.
That can include preparing for future healthcare or long-term-care needs, considering ways to manage future tax exposure, creating additional financial flexibility, and planning for the legacy you hope to leave behind.
Because a strong retirement plan should support you now, you later, and the people you care about after that.
— Clarity —
You should know why your plan works.
A retirement plan can involve a lot of moving pieces. Understanding it shouldn’t feel complicated.
At MTD Financial, education is part of the process. We want you to understand what we are trying to solve for, what each part of your plan is designed to do, and why it belongs there.
You should be able to look at your plan and understand:
Where your retirement income may come from
What each part of the plan is designed to accomplish
Where risk exists
What could change over time
Why the recommendations in front of you make sense for your life
Complexity has very little value when you cannot explain what you own or why you own it. We keep the conversation straightforward, the reasoning clear, and the plan simple enough to understand.
Because confidence comes from more than having a plan. It comes from understanding it.
— Common Questions —
Retirement planning questions.
How much money do I need to retire?
The answer depends on much more than your account balance. Your lifestyle, expenses, sources of income, retirement timeline, longevity, and future goals all shape what “enough” looks like for you.
How will I create income once I stop working?
Retirement income may come from several places, including Social Security, pensions, retirement accounts, savings, investments, and other financial strategies. The bigger question is how those sources work together to support your needs over time.
How can I help make my money last throughout retirement?
Longevity, inflation, market risk, spending, and income all play a role. A thoughtful retirement plan looks at how those pieces interact so your money is positioned to support both the life you expect and the surprises that may come with it.
How should my plan change as retirement gets closer?
Moving from accumulating wealth to living from it can change the way you think about income, market exposure, protection, liquidity, and growth. The years leading into retirement are an important time to look at the whole picture again.
How do taxes, healthcare, and legacy fit into retirement planning?
They can become increasingly important as retirement unfolds. Planning ahead can help you think through future tax exposure, potential care needs, and what you want to leave to family or other people and causes that matter to you.
— Let's Talk —
Time to make room for
more in retirement.
More travel. More family. More generosity. More of whatever makes retirement feel like yours.
Let’s put a retirement strategy behind the life you want more of.
Prefer to talk now? Call (312) 550-3191 or email [email protected].
Let's talk retirement
We’ll be in touch within one business day.