Far from being a “set it and forget it” exercise, retirement planning involves a series of decisions made throughout your lifetime. 

You may start by clarifying your goals and identifying your savings target before putting together an investment strategy designed to grow your wealth over time. 

At various milestones, you’ll likely want to diversify your holdings—not only by asset class and geographic location but from a tax perspective as well. 

Ultimately, you may seek out ways to plan for your long-term care needs, potentially mitigate taxes during retirement by exploring a Roth conversion, and craft a retirement income strategy that optimizes your withdrawal sequencing.

These are some of the steps. The question is: how do you get from here to there?

Do-it-yourself (DIY) vs. full-service financial planning

On one side of the equation, you can choose to go it alone. For instance, Boldin’s financial planning software allows you to project different retirement scenarios and factor in taxes, Social Security, health care costs, and more to start building your financial plan.

On the flip side, you can work with a full-service advisor like Wealth Enhancement to access comprehensive wealth management, tax strategies, and estate planning solutions through both local advisors and a Roundtable™ team of specialists.

But what if you didn’t have to choose at all?

Introducing Wealth Enhancement powered by Boldin

If you’re looking for an easy way to make progress towards your retirement goals, now you can sign up for a Boldin account directly through Wealth Enhancement. Here are just some of the features you can expect:

• Access free financial planning tools that empower you to build a personalized plan and get reliable answers to your most pressing questions, like when you can actually stop working, how long your money might last, and how best to handle taxes.
• Run various Roth conversion strategies to see how moving funds from your traditional IRA into a Roth IRA might affect your year-over-year tax costs, so you can get the timing of your conversion right (Roth conversions are part of the “Planner Plus” offering). 
• Compare multiple what-if scenarios to understand how your retirement picture might change based on factors like your spending patterns, age of retirement, and investment performance.
• Model your retirement income by factoring in your actual income and expenses, taxes, Social Security, real estate holdings, Medicare costs, health care needs, and more.

Thanks to this level of functionality, you get much more than a simple retirement calculator. You get complex financial planning software that addresses your real-world circumstances.

Frequently asked questions about Wealth Enhancement powered by Boldin

What is Wealth Enhancement powered by Boldin?

It’s a way to access Boldin’s financial planning software directly through Wealth Enhancement. You get the tools to build and manage your own retirement plan, with the option to bring in a Wealth Enhancement advisor if you want more hands-on guidance.

Is Boldin just a retirement calculator?

No, it goes well beyond that. You can model your actual income, expenses, taxes, Social Security, real estate, and health care costs, then run different scenarios to see how your choices play out over time.

Do I need to work with a financial advisor to use it?

No. Boldin is built for people who want to take the wheel themselves. That said, if you ever want help from a Wealth Enhancement advisor, for tax strategy, estate planning, or anything else, that option is there.

Why should I use Wealth Enhancement powered by Boldin?

Most retirement tools give you a rough estimate based on a handful of inputs. Boldin builds an actual plan around your life, so the answers you get reflect your real situation. And by accessing Boldin through Wealth Enhancement, you get the added assurance that a team of financial professionals is in your corner if and when you need them.

How to get started

If you’re ready to start optimizing your savings, forecasting your future income, and making more informed retirement planning decisions, sign up for a Wealth Enhancement powered by Boldin account today. You’ll be able to pull in your real numbers, run different retirement scenarios, and start building your plan—with no cost to get started and no commitment required. 

And if you ever want to work with a financial advisor, Wealth Enhancement is here for you. No pressure, no pitch. Just help when you want it.

The content, calculators, and tools on Boldin.com are for informational and educational purposes only and are not investment advice. They apply financial concepts in a general manner and include hypotheticals based on information you provide. For retirement planning, you should consider other assets, income, and investments such as equity in a home or savings accounts in addition to your retirement savings in an IRA or qualified plan such as a 401(k).

Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.

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