SERVICES

Total Retirement Planning

We have the experience and tools to create clear and actionable plans to achieve retirement goals.

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Comprehensive Retirement Planning Services

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Investment Portfolio Management

  • Diversify investments across stocks, bonds, and low-cost index funds to create sustainable and consistent income, growth and stability through retirement.

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Social Security & Pension Optimization

  • Benefit Maximization: Determine the ideal age to claim Social Security and evaluate spousal/survivor benefits.

  • Pension Analysis: Assess lump-sum vs. payment options and integrate pensions with other income streams.

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Healthcare & Medicare Guidance

  • Medicare Planning: Plan for Medicare premiums and coverage.

  • Health Care costs: Plan for future health care costs and Long Term Care.

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Personalized Retirement Roadmaps

  • We craft tailored retirement plans using advanced modeling tools to project income needs, savings milestones, and risk tolerance. We analyze your pension benefits, Social Security options, and existing retirement accounts (401(k), 403(b), IRA) to optimize withdrawals and minimize tax impacts.

Tax Planning

  • Withdrawal Strategies: Structure IRA/401(k) distributions to avoid penalties and reduce RMD burdens.

  • Tax Efficiency: Analyze the impact of charitable contributions, Roth Conversions, and Tax Loss Harvesting. 

  • IGM will give complete investment and retirement income projections.

  • Perform multiple scenario analysis based on all available retirement options.

  • Advise on 401k, 403b, 457, and other company sponsored retirement plan investments, updated annually.

  • IGM also offers our Total Retirement Planning to individuals who may not currently meet our investable assets minimum.

Why Choose Us?

As fiduciaries, we commit to transparency and accountability, ensuring every recommendation serves your long-term vision. Whether you’re decades from retirement or already enjoying it, we adapt to life’s changes—career shifts, health updates, or market volatility—to keep your plan resilient.

Start Your Journey Today

Schedule a free consultation to explore how we can help you retire with clarity and confidence.