As Retirement Plans Take Shape, “Aha” Moments Abound

When they think about retirement, many people have two big concerns.

When they think about retirement, many people have two big concerns. First, they worry they won’t have enough money to support their lifestyle. Second, they fear their money won’t last. To help put their concerns to rest, pre-retirees need answers to questions many of them don’t even know to ask.

The financial advisory team at Thrive Capital Management, LLC, led by longtime industry veterans David Bezar, Karen Bezar, and Bret Elam, specializes in answering those unasked questions. Whether in client meetings, during their weekly Thrive Retirement Roadmap radio show (1210 AM WPHT in Philadelphia), or through public seminars, Thrive’s advisors work to empower people with financial knowledge so they can live the retirement theyalways envisioned.

“When we meet people for the first time, we initiate conversations they didn’t know they needed to have at this stage of life,” David says. “Breakthroughs like these can be life-changing.”

In-Depth PlanningLeaves No Stone Unturned

Through all four steps of its comprehensive financial planning process, the Thrive team brings critical concerns to the forefront and proposes creative solutions in areas that may not have been previously addressed. Clients learn, for example, strategies that might allow them to pay zero taxes on long-term capital gains or IRA income, maximize their Social Security benefits, and minimize tax liabilities. In some cases, clients are surprised to discover they can retire earlier than they’d planned.

“Many people assume they must wait till a certain age to start taking distributions from their retirement accounts,” Bret says.

“We show clients how they can buck conventional wisdom by planning for tax efficiency and covering healthcare costs before Medicare kicks in. Our job is to get people to think differently and help them achieve goals they once thought impossible.”

Thrive is also dedicated to serving the unique financial planning needs of women. Karen says she’s passionate about encouraging women to pay close attention to their finances to help them enjoy long-term security and financial peaceof mind.

“In many cases, women put off or ignore important financial issues,” Karen says. “Or they find that after the death of their spouse, their financial situation is much different than they thought it was. When women tell me, ‘You’ve really opened my eyes,’ it’s heartening to know they’re taking control of their future.”

Client Centered, Service Driven

As an independent, fee-based Registered Investment Advisor, Thrive is wholly dedicated to serving its clients’ best interests. The firm provides an initial hour-long Thrive Retirement Roadmap ReviewSM free of charge, and if a client relationship results, the team addresses every financial need in house: investment planning, Social Security planning, tax planning,IRA conversions, and more.

Thrive’s advisors are equally committed to serving the greater good. As a state chapter president of the Society for Financial Awareness (SOFA), David is an outspoken advocate for financial education. He and his team are always looking for new opportunities to give back to the community by sharing their knowledge.

“Our goal is to inform as many people as we can,” David says. “We want them to understand how to prepare for retirement so they can thrive and be happy once they’re in it.”

Investment advisory services are offered by Thrive Capital Management, LLC, a registered Investment Advisor in the State of PA. Insurance products and services are offered through Thrive Financial Services. Thrive Capital Management, LLC and Thrive Financial Services areaffiliated companies.

This content was provided by Financial Service Directory. Kiplinger is not affiliated with and does not endorse the company or products mentioned above.

Most Popular

12 Costs of Owning a Cat
how to save money

12 Costs of Owning a Cat

Housecats may be known for their aloofness and low-maintenance attitude, but they're not cheap. Here's what you can expect to spend if you plan on ado…
October 16, 2020
How to Pick the Right Medicare Plans for You
Healthy Living on a Budget

How to Pick the Right Medicare Plans for You

As you're signing up for Medicare, you must learn the basics of Medicare Part A, Part B, Part D, medigap plans, Medicare Advantage plans and even doug…
September 30, 2020
Election 2020: Joe Biden's Tax Plans

Election 2020: Joe Biden's Tax Plans

With the economy in trouble, tax policy takes on added importance in the 2020 presidential election. So, let's take a look at what Joe Biden has said …
October 15, 2020


States With Scary Death Taxes

States With Scary Death Taxes

Federal estate taxes are no longer a problem for all but the extremely wealthy, but several states have their own estates taxes and inheritances taxes…
October 19, 2020
Considering Early Retirement? 5 Things to Know
Making Your Money Last

Considering Early Retirement? 5 Things to Know

Before you accept a buyout, do the math to see if you really can afford to retire. (We'll show you how.) Then follow up with these tried-and-true stra…
October 15, 2020
9 Tips for Better Time Management in Retirement

9 Tips for Better Time Management in Retirement

These important time management techniques will help destress your life as you get busier -- yes, busier -- in your golden years.
October 14, 2020
Check Your Financial Adviser Now (and Every Year) or Regret It Later
wealth management

Check Your Financial Adviser Now (and Every Year) or Regret It Later

Fewer than 10% of investors use such free background checks as Investor.gov, BrokerCheck or IAPD to check their financial advisers’ backgrounds. These…
September 21, 2020