St. Bernards Employee Benefits through RetirePath
Personalized Retirement Income Planning
As retirement draws closer, the decisions you make now are more important than ever. Ensuring you have a reliable, tax-efficient income stream can make all the difference in your quality of life during retirement.
We specialize in helping employees nearing retirement create clear, customized strategies based on their current savings, benefit options, and future income needs. Retirement plans come with specific IRS rules and tax considerations — and understanding how these apply to you is key to avoiding costly mistakes.
Whether you’re unsure if your savings will support your lifestyle, or simply want to optimize what you’ve already built, we’re here to guide you. Allow us to put a plan in place that looks at the full picture — from Social Security timing and pension decisions to Medicare premiums and retirement account distributions — so you can step into retirement with confidence and clarity.
Retirement Planning Services:
When you use our retirement planning services, you benefit from our in-depth knowledge and years of retirement planning experience. Here's what we do for you:
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Evaluate your current financial situation, including assets and liabilities.
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Create a budget that meets your retirement goals, including how much you need to contribute to your current retirement plan to meet those goals.
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Review your Social Security account to determine the best time to begin taking your benefits.
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Make sure that you understand how other sources of retirement income affect the retirement planning process.
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Determine whether taking a lump-sum distribution or opting to take monthly payments is better for your particular financial situation.
Isn't It Time You Started Planning for a More Secure Financial Future?
Whether you're already retired, close to it, or just getting started in your career, it’s never too early to start thinking about retirement planning.
Your first two meetings are complimentary, contact us today to get started planning for your retirement years!
Do you have questions about Medicare/Healthcare while you are still working?
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Should I enroll in Medicare if covered by group employer health coverage? If so, which Parts? A, B, C, D? All of the above?
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Will I be penalized for enrolling after age 65? If so, how much? How long?
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Would Medicare or my group coverage be better for me?
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What should I do for healthcare after I retire?
We are here to help! Our expert Medicare advisor is here to walk through options with you and will help find the right solution for you!
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Turning on your Social Security benefits:
Maximizing your Social Security benefits involves more than simply deciding when to file. At RetirePath, we offer comprehensive Social Security filing and maximization strategies that help you make informed decisions based on your unique financial situation. We understand that Social Security benefits are a critical component of retirement income, and a well-planned strategy can result in significantly higher lifetime benefits.
Our approach considers factors such as your health status, marital status, income needs, and other retirement resources. Whether you’re planning to file early, wait until full retirement age, or delay benefits to increase your payout, we’ll help you evaluate the impact of each option. We also offer advice on spousal and survivor benefits, ensuring that you and your loved ones receive the maximum possible support.
Navigating the complexities of Social Security can be overwhelming, but you don’t have to do it alone. Our expert advisors provide personalized strategies to optimize your benefits and integrate them into your broader retirement plan. With RetirePath’s Social Security maximization services, you can feel confident that you’re making the most of what you’ve earned.