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Charleston Retirement Planners

You're nearing retirement and you want to make sure your money lasts. Coastal Financial Planning Group provides one-on-one financial planning services for individuals and businesses. Get a retirement plan that's tailored to your needs. Get started today with a free retirement review.

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Let's Get Started...Request a Consultation

We want to help. Please contact us by filling out the form below, or by calling us at 843.735.5065, to schedule a no obligation initial consultation. Rick Durkee is an investment advisor representative and a fiduciary. 

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At Coastal Financial Planning Group, we believe that life is more than a paycheck. Our mission is to ease your worries and help you create a sound financial strategy that provides not only a steady paycheck for life, but a playcheck as well.

As Part of The Strategic Process, we'll help you create a retirement income plan that balances:

  • Daily Living Expenses

  • Budgeting for Luxuries & Quality of Life

  • Planning your Social Security Benefits for Maximum Results
    Social Security can add $1M to your retirement fund*

  • Factoring in Pensions Withdrawal Strategies

  • Factoring in both Expected & Unexpected Medical Expenses

  • Planning for the unexpected and the inevitable

How Much Do I Need To Retire?

Many seniors under estimate the true value of their retirement. Once you factor in Social Security and Pensions the numbers are usually quite a bit larger than most people suspect.

Consider the following:

  • Average Retirement Savings: $255,000

  • Average Home Value: $188,900

  • Average Social Security Benefit for a Married Couple: $1,024,848

  • Total Retirement Value: $1,468,748

Tax Planning For Retirement

Did you know: up to 85% of your social security can be taxed?

The good news is that as a senior you now have the great advantage of being able to control just how much taxable income you have each year. Through forward tax planning, we can help you plan your retirement, and help you choose the right strategies and vehicles for getting the most out of your social security, pension and investments.

We will help you take advantage of your unique situation to help you make the most out of your retirement. Imagine if the next time you had a stock market loss or business loss, you were able to convert that in to a tax-advantaged retirement saving? Our goal is help you maximize your retirement, while minimizing your taxation using every rule in the book. As advisors who specialize in retirement planning we have the training and experience to get  the most out of your retirement.

Retirement Investment Options

Your retirement plan should account for events that you can't see coming, such as unexpected health issues or sudden market volatility. It is our belief that in order to have a safe and secure retirement, one needs to know that they are financially secure, no matter what happens. At Coastal Financial Planning Group, we'll work with you to help you protect and insure your retirement from the unexpected and the inevitable. We will help to make sure that you have funds available in the event of an emergency; and we'll help you make sure that a sudden hospitalization won't cripple your retirement fund.