You spent a lifetime building your savings. We help you make them last, and then help you pass them on the way you intend.
Retirement to Legacy Practice works with pre-retirees and retirees on the two questions that matter most: Will our money last? And when the time comes, will it reach our family smoothly?
Our practice began in wealth management. Over the years, we saw the same pattern again and again: families with solid portfolios who still lacked a clear plan. They weren't sure their income would hold up for 25 or 30 years, and they hadn't decided how their assets would pass to the next generation.
So our mission evolved. Today we focus on the planning that sits around your investments, not the investments themselves. We help you turn a lifetime of savings into income that lasts, and a legacy that moves to your family without delay, expense, or court involvement.
We are a team of legal, financial, and estate planning professionals dedicated to that mission. Because we work together under one roof, your retirement plan and your estate plan are built to fit each other, not pieced together from separate offices.
We are not here to replace your financial advisor or to manage your investable assets. If you have an advisor you trust, keep them. We are glad to work alongside them.
Our role is strategic planning. We help you build a retirement plan designed for asset longevity, smart tax mitigation, and protection against the crises that most often drain retirement savings. We then help you put the right estate structures in place so your legacy can pass to the next generation smoothly, without going through probate court.
We stress-test your plan against a long life, market downturns, and rising costs. The goal is a reliable income you can count on for as long as you need it.
Taxes are one of the largest expenses in retirement. We look for ways to reduce them, from withdrawal order to Roth conversions to how assets pass to heirs.
A dollar today won't buy the same groceries in 15 years. We build inflation into your plan from the start, so your purchasing power keeps up.
A long-term care event can drain decades of savings in a few years. We help you plan for that risk before it becomes a crisis.
Probate can be slow, costly, and public. Through properly structured wills, trusts, and beneficiary designations, we help your assets move to your family privately and efficiently.
Pre-retirees within 5 to 10 years of retirement who want a clear plan before they stop working.
Retirees who want confidence their income will last and their plan still fits.
Families who want to pass assets to the next generation without probate, conflict, or confusion.
Discuss both your retirement income longevity (Will Our Money Last) and your estate trust needs (Expedited Wills & Trusts) in one confidential meeting.
1125 South Frontage Road Suite #5
Hastings, MN 55033-2489
Office: (651) 437-7245
Fax: (651) 437-5687
info@retirementtolegacy.com