BlackVault Financial Group
Retirement & Protection Planning
Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.
BlackVault Financial Group is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.
Retirement is personal. The last chapter should not be let’s hope-and-see.
Our Planning Process
Our three-step planning process works to help identify and implement suitable financial strategies for helping our clients meet their needs and achieve their goals and objectives for retirement.
01
Get the Full Picture
Income, assets, Social Security, pensions, debt, taxes, health, and what “enough” means for the family.
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
Build the Plan
What stays invested. What gets protected. What creates paycheck-like income. What stays liquid.
Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.
03
Stay in it with You
Annual reviews, a real person when something changes, and adjustments when life or the tax code moves.
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
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Our Downloads
The Social Security Guide
Claiming Social Security at the wrong time could cost you tens of thousands over your retirement—and you may not even realize it. This guide shows how the right strategy can unlock more income, more security, and greater confidence in your financial future. Make sure you get what you’ve earned!
Retirement & Inflation Guide
Inflation has been a top-of-mind concern for many investors, particularly retirees. Due to the pandemic, many business were forced to lower prices, halt production, and even close their doors, causing a gap between the supply and demand of goods and services. Because of this, we are currently experiencing the highest inflation rate in over 30 years! High inflation means lower dollar values, making it harder to keep up with the cost of living in retirement. We created our Retirement & Inflation guide to help you prepare for and defend your retirement savings against inflation.
Our Blog
Long-Term Care Awareness Month
As we observe Long-Term Care Awareness Month this November, it is an opportune time to have important conversations about our [...]
Staying Active in Retirement: Supporting Your Health and Financial Plan
Retirement marks the beginning of an exciting new chapter, as leaving the workforce offers you the freedom to focus on [...]
Golden Years, Golden Leaves: Top Late-Season Autumn Trips
Retirement can offer the ultimate luxury: the flexibility to pack a bag and chase peak autumn foliage across the country [...]
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
