Retirement Planning: Building a Comprehensive Retirement Plan

When it comes to retirement planning, we recognize each person has unique needs and goals for retirement. There are many strategies and investment options when it comes to planning for your retirement. We can assist you with analyzing and creating a comprehensive retirement solution based on your goals. Understanding your individual objectives and personal situation is essential for our team to help you meet your retirement goals.

When Should I Start Planning for Retirement?

It is never too early to start saving for retirement. It’s critical to not sacrifice retirement savings for other things, like your child’s college savings for example, because there isn’t a second chance to do it over. The benefit of starting early is the miracle of compounding interest and little things such as the type of account and interest rate make a big difference over time.

How much should I save for retirement?

At a minimum, you should contribute enough of a percentage of your salary to qualify for your employer’s match. The amount your employer matches is absolutely free money for you. However, we highly recommend to contribute more than the minimum to get the match. There is no one "one-size-fits-all" magic answer for how much you will want to save for retirement. Naturally, the more you save, the better. It really just depends on the life you want to live in retirement.

Why is retirement planning important today?

The earlier you start saving for retirement the better. If you start as a young adult, compounding interest over a career will add up. For older adults who haven’t started saving for retirement, it’s important to get serious about saving. You’ll want to think about what age you will want to retire, when you will claim social security benefits and if you’ll continue working part time. If you need help answering these questions, we are eager to come alongside as you make important decisions about your life after retirement.

How do I start retirement planning?

You can start planning for retirement by opening a pre-tax or after-tax account. A pre-tax account lets you use tax savings now instead of later where an after-tax account you benefit from in the future. There are different types of accounts like 401(k), Roth IRA and more. You can experiment with qualified and un-qualified funds. There are many options but it’s important to truly have an optimized pro-active plan. Keep reading to learn how TS Prosperity Group can assist you throughout your career and into retirement.

trisha beccard headshot

Trisha Beccard - Financial Portfolio Advisor

Trisha joined the TS Prosperity Group in June of 2022. A Council Bluffs Native, Trisha brings with her a passion and zeal for the Community and the people who work and live here. With nearly two decades of experience in developing relationships with a financial background, her skillset is a dynamic combination for her role as the Investment Strategist. Her desire to help people meet their goals is the driving force; and palpable when meeting with her. When not busy working in the community, volunteering for local non-profits, or serving as a board member for various organizations, you may find her shopping or dining at her favorite neighborhood small businesses, catch her at the park or the ball field with her kids, or watch her drive by in her beloved Pink Jeep!


Schedule an Appointment with Trisha

Our Retirement Planning Services

TS Prosperity Group is your valued partner in preparing for retirement. Our team of professionals can review your investment portfolio, analyze your income needs during retirement, determine the best distribution strategies and provide you with a comprehensive plan to fit your unique situation.

We can help with a number of retirement planning services here at TS Prosperity Group including:

Retirement Projections

We will sit down with you and review your current financial situation. We can show you what retirement looks like without any changes. We can also show you the amazing impact of what a few tweaks can do for your future. Our team would love to show you how you can do so much more with your money with a plan and a strategy.

Insurance Planning

Our team can help you navigate the difficult subject of insurance. How much insurance should you have? How can you prepare for unexpected life events? How can you protect your family? Let’s discuss these questions and more.

Estate Planning

We believe estate planning is also a part of the retirement planning process. For example, if something were to happen to you, would your spouse be taken care of? Don’t forget to name a beneficiary or beneficiaries for your retirement accounts and make sure they up-to-date at all times. Do you have a will and is it current? What about medical directives, power of attorney and living wills? All of these are important factors when planning for the future.

Social Security Analysis

One very important decision you will make is when to draw on social security. We can analyze your individual situation and show you exactly how drawing at different ages will affect your overall income in retirement, taxes and more.

Goal Tracking

We believe goal setting is the first step toward financial success. Working toward defined goals can help you manage all of the financial decisions you have to make. Our team can help you define and update your goals over your lifetime. We can also help to hold you accountable to reach your goals. Our goal is to help you reach yours.


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Our Retirement Planning Process

When it comes to retirement planning, our top priority is always you, the client. Serving our clients faithfully for more than 90 years has taught us the most important part of our job is listening to you and focusing on your retirement goals. We are proud of our ability to leverage all of TS Prosperity Group’s unique collective insight and philosophies to build a retirement plan based on our clients’ unique position and objectives.

Here’s our simple process for establishing a retirement planning relationship:

  1. Call to schedule an appointment
  2. Meet with a retirement planning expert
  3. Review personalized recommendations and next steps
  4. Establish an ongoing relationship

4 steps to establishing a retirement planning relationship

Not quite ready for an appointment? Try out our simple online calculator to see where you're at on your path to meeting your retirement and/or savings goals. Click the link below to get started.

Online Calculator

Investment products offered by TS Prosperity Group are: Not a Deposit • Not FDIC Insured • Not Insured by any Federal Government Agency • Not Guaranteed by the Bank • May Go Down in Value.

We will meet regularly to assess your retirement goals and to learn how we can better serve you. As a regulated fiduciary, we are held to a higher standard of care and always embrace placing the interests of our clients first.

Why Work with TS Prosperity Group for Retirement Planning Services

Working with a team of retirement planning experts such as our employees at TS Prosperity Group brings peace of mind. Your future is our business, and we treat each and every client with care and respect; providing quality advice and services to make sure your legacy lives on.

Can I do my own retirement planning?

You may end up starting to plan for retirement on your own initially as it’s important to start contributing early and receive your employer’s match. However, at some point, it is a good idea to bring in a financial professional to review and come alongside to identify a grander strategy. You may end up with various retirement accounts as you change jobs and we can help you organize and consolidate those accounts when you’re ready.

Trust TS Prosperity Group for Retirement Projections, Social Security Analysis and More

Your life in retirement is important, and our team is eager to help you prepare for whatever is to come in the future. We will meet regularly to assess your goals and progress against benchmarks to provide an objective evaluation of your situation. We are eager to help you run forecasting models and scenarios to see how you can truly optimize your personal balance sheet and do more with your money.

If you’d like to learn more about our retirement planning services, reach out to our team today or call to make an appointment: 844-487-3115.

Schedule your Discovery Meeting.