Retirement & Planning

Retirement is one of the most widely misunderstood phenomena in American life. It is portrayed by people sprawled across Adirondack chairs on the beach or reading long novels on the wrap-around porch of their 4000 square foot mountain home. And while any great retirement has moments of these long-earned releases and relaxations, for most people it comes with an entire subset of demands and stresses that no one explained how to consider.

We want to de-mystify retirement. Our goal is to help you take off the candy-coated wrapping of what it’s sold to be and really make it something. Really make it the final chapter of a life-well-lived. But to get there takes a little doing in the process.

Generally speaking, retirement is exemplified by one big decision: the moment you turn in the “Wage Earner Card.” And whether you made that decision for yourself or health concerns, downsizing or unwanted layoffs made it for you, you now stand in a position difficult to turn back from. Once you step away from that 40-year career, picking back up again at the same pay with the same effort is near impossible for most. Yes, many will decide to return to part time work or volunteer opportunities, but it will never be as it was before this big decision was made.

But while that one big decision gets a lot of press, it’s the thousand small decisions around it that make retirement possible. The decision to start funding your 401(k) at age 25. The decision to buy long-term care insurance. The decision to save for your kid’s college so you didn’t have to refinance your house to pay the bills for your kid's tuition. All these decisions added up and now whatever they’ve come to is what you have to work with.

Financial planning is fundamentally the business of lining those decisions one after another. We work with our clients to understand what their priorities are and how those priorities are working in concert or in conflict with their current decisions. And then we work to align those decisions with the big goals one at a time. As you look through the Idea Center and consider the big ideas of retirement and long-term planning, consider your own goals and decisions. How well aligned are they?

The opinions voiced are for general information only. They are not intended to provide specific advice or recommendations for any individual and do not constitute an endorsement by NPC. To determine which investments may be appropriate for you, consult with your financial professional. Please remember that investment decisions should be based on an individual’s goals, time horizon, and tolerance for risk. 


All information herein has been prepared solely for informational purposes and is not an offer to buy, sell or a solicitation of an offer to buy or sell any security or instrument or to participate in any particular trading strategy. Advisory services provided by TrilogyCapital, Inc, a Registered Investment Adviser. Separate advisory and securities services may be provided by National Planning Corporation (NPC), a SEC Registered Investment Adviser and broker-dealer. Member FINRA and SIPC. Certain registered representative with NPC are doing business under the name of Trilogy Financial. TrilogyCapital, Inc. and Trilogy Financial are affiliated by common ownership and are separate and unrelated to NPC. Please consult with your representative to confirm, on which company's behalf services are being provided. Registered Representatives of NPC may transact securities business in a particular state only if first registered, excluded or exempted from Broker-Dealer, agent or Investment Adviser Representative requirements. In addition, follow-up conversations or meetings with individuals in a particular state that involve either the effecting or attempting to affect transactions in securities or the rendering of personalized investment advice for compensation will not be made absent compliance with state Broker-Dealer, agent or Investment Adviser Representative registration requirements or an applicable exemption or exclusion. Content is for general purposes only and is not an offer to buy or sell any security. NPC does not provide tax or legal advice. NPC Privacy Policy.