Retirement Financial Planning Services

At Horizons Wealth Management, we specialize in helping individuals and families in Asheville, NC, and Greenville, SC achieve a confident and secure retirement. Our fee-only, fiduciary retirement financial planning services are designed to help you make informed decisions, grow your wealth, and enjoy financial freedom in retirement—without hidden fees or conflicts of interest.

A Personalized Approach to Retirement Planning

Whether you’re approaching retirement or already retired, having a clear financial plan is essential to achieving financial freedom. Retirement is an exciting milestone, but it can also bring uncertainty. That’s why we provide expert retirement planning guidance to help you prepare for the future with confidence.

Studies show that retirees typically need 80% to 100% of their pre-retirement income to maintain their lifestyle, yet many Americans remain unprepared. The best time to assess your retirement savings strategy is now—because just hoping you’ve saved enough isn’t a plan.

At the core of our approach is a comprehensive financial plan designed to align with your unique retirement vision. 

What to Expect

We start by discussing your goals:

• How do you picture your ideal retirement?
  

• What are your financial priorities?
  

• What challenges or concerns do you have?

From there, we guide you through important decisions, ensuring you maximize your retirement income, minimize taxes, and create a strategy that sustains your lifestyle. With a personalized plan in place, you’ll gain clarity and peace of mind, knowing you’re financially prepared for the years ahead.

Common Retirement Questions

Many clients come to us with a variety of questions. Below, we’ve outlined some of the more common ones that we can help you navigate to better prepare for your retirement.

• Can I retire?
• Do Roth conversions make sense for me?
• How much more money do I need to retire?
• How long should I continue working before retirement?
• What adjustments do I need to make before retirement?
• Which Social Security claiming option should I use?
• How do I coordinate my pensions, Social Security, and retirement investments?
• How long will my retirement money last?
• How should I invest during retirement?  Should I be less aggressive?
• Will my investments provide income throughout retirement?
• What are my 401(k) rollover options?  How should I use my employer’s retirement plan?
• Do I need any specific type of insurance?
• How can I pay for medical care after retirement?
• How will these financial moves affect my taxes and estate?
• How do I best use the value of my house in retirement?
• How do I navigate health insurance before Medicare and after age 65?

Our goal is to answer these questions and ensure your peace of mind as you plan your retirement.