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Retirement Decision Dashboard

Your Toolkit For Making Dependable Financial Decisions

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"Saved time is the best definition of prosperity."

Using This Tool To Plan A Successful Retirement

Explore four key retirement planning decisions: choosing bonds, investing in stocks, evaluating Roth conversions, and preparing for changes to Social Security. Each guide combines economic charts with practical explanations from Toberman Becker Wealth.

The 4 key retirement planning concepts:

1. Fixed Income Investing

A robust fixed-income portfolio can offer peace of mind during retirement. Learn how to utilize a ladder strategy to maximize returns and minimize the impact of economic downturns.
  • What are bond investments?
  • What factors should I consider when choosing bond maturities?
  • How can a fixed-income portfolio mitigate risk?
To learn more, see our Practical Guide to Bond & Treasury Investments.

2. Equity Growth Investing

Stocks and equities are crucial to the success of any retirement plan. Explore how global asset allocation can secure long-term financial comfort.
  • Why should I avoid a stock-free retirement portfolio?
  • How can I invest in the market without taking on unnecessary risk?
  • How can I zoom out to better grasp the global picture when designing my investment portfolio?

3. Roth Conversion Planning

Explore whether a Roth conversion makes sense for your retirement plan. Learn how to weigh the tax cost today against potential future tax savings, and how your income, tax bracket, and retirement timeline can influence when to convert.

  • What is a Roth conversion?
  • What are the benefits and risks of a Roth conversion?
  • When is the best time to do a Roth conversion?

4. Social Security Strategy

Despite recent news highlighting vulnerabilities in the Social Security System, we believe it will remain solvent long term. As you evaluate your benefit options, consider the domestic and global consequences of eliminating Social Security.
  • What is the current state of the Social Security System?
  • What would happen if Social Security and Medicare lost funding completely?
  • What can the U.S. Government do to improve funding for Social Security?
  • How should I prepare for possible changes to the Social Security System?

Continue Exploring Our Retirement Decision Dashboard

How Does a Financial Advisor Support the Decision Making Process?

A financial planner’s primary responsibilities are to help mitigate risk and provide clients with the context and data needed to make informed decisions. An experienced advisor uses advanced software to compare retirement scenarios and understand the tradeoffs.

Through customized financial models, advisors empower clients to choose strategies that align with their unique circumstances and personal vision for retirement.
Fee-only financial advisors Craig Toberman, Michael Becker and Mike Holtz
Craig Toberman, CFA, CPA, CFP®, Michael Becker, CFA, CFP®, and Mike Holtz, CFP®

About Us

Toberman Becker Wealth is a fee-only, independent fiduciary firm based out of St. Louis. Whether starting to dream about retirement in your 50s or actively planning for retirement in your 60s, we help people nearing a transition build a resilient retirement plan.
We operate in the best interests of our clients, always, and our top priority is to help you live comfortably now, without sacrificing your financial future later.
If you’re looking for an investment advisor to help you build a diversified retirement plan that ensures comfort and peace of mind, feel free to book a meeting or give us a call.
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