Smart Retirement

Smart Retirement

Investment Advisor

(303) 923-8148

My name is Patricia Cathey and I specialize in taking the confusion out of Retirement Planning strategies.

Why do we now need Retirement Income Plans?

It’s unusual, today, for most workers to have a defined benefit pension where they know exactly what their income will be at retirement. More likely, you have been contributing to either an IRA or a 401K plan as well as accumulating other assets along the way. You have been investing for growth.

Unlike the prior generation you now face new issues such as:

  • Longevity Risk – You may live longer and are likely to need retirement income for 20 or 30 years.
  • A 401K or IRA Plan that may not guarantee a lifetime monthly income.
  • Current CD interest rates that have tanked and bond yields that are equally low. 

To deal with this, we show you multiple “if this... then that” scenarios to help illustrate important financial concepts such as:

  • Sequence of returns
  • Order of withdrawals
  • Mortality credits

Once you have chosen the scenario that is right for you, we structure an income plan from multiple sources, many you may not know about.

One of our key strengths at Smart Retirement is communication. Our clients participate in a unique and proprietary system with a step by step process that enables us to determine which solution or service they may need in order to help achieve their financial goals. We want clients to understand the steps in the planning process and stay informed along the way. Creating a two-way street paves the way to success for both of us.

I welcome the opportunity to work together with you in order to develop a creative and conservative approach to retirement.