If you need personal financial advice about retirement, but lack the wealth to justify hiring a financial advisor on a full time basis, you’ve come to the right place.
My name is Mike Testa and I am a retirement counselor who specializes in helping regular people solve specific retirement-related money problems. So whether you are saving for retirement, transitioning into retirement, or already living in retirement, I can put you on the right track and help you make the most of your retirement savings.
Get The Retirement Planning Help You Need
I CAN ... |
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| Before You Retire | • calculate how much money you will need to retire • project how much your current retirement assets will be worth when you retire • determine how much additional savings will be needed to meet your goals • help you reduce current living expenses so you have more to invest toward retirement • design a savings and investment program that will fund your desired retirement lifestyle • select specific investments for your IRA, 401k, or 403b plan • help you set up a new IRA (traditional or Roth – I’ll show you which type is right for you) |
| As You Transition into Retirement | • help you establish a retirement budget and estimate your retirement cash flow needs • evaluate the financial implications of taking early retirement • appraise the value of employer severance packages • determine the best time for you to apply for Social Security benefits • evaluate distribution and rollover options for your pension plan, 401k, 403b, and IRA • rollover money from your pension plan, 401k, or 403b into an IRA |
| After You Retire | • help you control costs for health care, prescriptions, and long term care • show you which selections will maximize your Social Security, Medicare, and Medicaid benefits • create a safe investment program that will make your money last for the rest of your life • calculate required minimum distributions from your retirement accounts |
| Anytime | • convert your traditional IRA into a Roth IRA • arrange for a rollover from one retirement account to another • help you rollover and manage assets from an inherited IRA, and navigate the special distribution requirements • help you invest distributions received from a decedent’s pension plan, 401k, or 403b plan • manage the finances of an elderly relative • evaluate and recommend annuity options (I don’t sell them, but I can help you find a good one) • minimize the taxes and penalties you'll owe when taking early withdrawals from your retirement accounts |
A Retirement Advisor For The Rest Of Us
Every day I help regular people make good choices about what to do with their money so they can experience a more enjoyable and financially secure retirement. And I can do the same for you.
