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2190 Rt 22, Patterson, NY 12563

8452798664
john@jrmonacocpa.com
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Retirement Planning Services

At John Monaco & Co., we understand that planning for retirement is a deeply personal process that varies significantly from one individual to another, and from one business to the next. Our expert guidance is tailored to meet your unique financial goals and circumstances and is aimed at helping achieve a seamless transition into your golden years.

Retirement Planning For Individuals

Retirement Planning For Individuals

  • Personalized Planning: Whether you're just starting out or nearing retirement, we offer tailored advice to help you define and pursue your retirement goals.
  • Diverse Income Strategies: We assist in developing multiple income streams for retirement to ensure you have a steady flow of funds. This includes managing 401(k) rollovers, IRAs, and Roth IRAs.
  • Tax Optimization: Our expertise in tax-advantaged strategies will help maximize your savings and minimize tax liabilities, so more of your money works for you.
  • Lifestyle Considerations: We take into account not just your financial needs, but also your desired lifestyle in retirement, crafting a plan that aligns with both.

Retirement Plans For Businesses

  • Customized Employee Retirement Plans: From 401(k) plans to employee stock ownership and profit-sharing plans, we help businesses choose and manage the right retirement plans that benefit both owners and employees.
  • Plan Integration: We integrate retirement plans with your business strategies to improve overall financial health and employee satisfaction.
  • Open Platform Advantage: Our affiliation with Avantax allows us access to a wide range of products and investment companies, ensuring the best fit for your business needs.
Why Choose John Monaco & Co. for Retirement Planning?

Why Choose John Monaco & Co. for Retirement Planning?

As a CPA with a certification as a Personal Financial Specialist (PFS), John Monaco has the expertise to ensure financial and retirement plans are tax-advantaged from the start. His extensive experience in the world of finance gives him the skills needed to craft retirement plans that reflect the goals and values of the people they are made for. Each person is unique and each plan we create is customized to fit individual needs, ensuring your financial and life goals are part of your retirement plan. From the kind of lifestyle you want to enjoy to the things you want to do in retirement, we consider the things that matter most to you when we help you create your personalized retirement plan. 

FAQs on Retirement Planning

When is the best time to start planning for retirement?
The best time is now! Starting early gives your investments more time to grow, but it's never too late to begin planning and saving.

How can I balance risk and return in my retirement portfolio?
Balancing risk and return involves understanding your time horizon and risk tolerance. We guide you through risk assessment and help manage your portfolio to align with your retirement timeline.

What tax-advantaged retirement options are available?
There are several options including traditional IRAs, Roth IRAs, and 401(k)s. Each has its own benefits depending on your current income and expected post-retirement income.

How do I choose the right retirement plan for my employees?
Consider your business size, the nature of your workforce, and financial goals. We can help you evaluate all these factors to determine the best plan for your company.

Let's Connect

Let's Connect

Planning for retirement should be as rewarding as the retirement itself. Let John Monaco CPA guide you through every step of the way to ensure your financial security and peace of mind. Contact us today to begin crafting your future.

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