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Building a Retirement Strategy That Lasts

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Retirement Planning

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Plan With Purpose, Retire With Confidence

Aligning Investments, Income & Goals for the Long Term

Retirement isn’t just about stopping work—it’s about creating the financial freedom to live life on your terms. At Meagher Financial Services, we help clients throughout Georgia turn their savings into a sustainable, tax-efficient income plan. Our process integrates all your retirement accounts, employer plans, and personal investments into a cohesive strategy that’s built to withstand market fluctuations, changing expenses, and evolving goals. Whether you’re decades away from retirement or only a few years out, we’ll help you make informed decisions about contributions, rollovers, distributions, and investment allocations to help you retire with clarity and confidence.

Will I really have enough to retire the way I want?

We’ll help you find the answer, run the numbers, and build a strategy that balances income, growth, and security so you can retire with confidence.

  • Expertise with all major retirement accounts

  • Strategies to reduce taxes and manage RMDs

  • Personalized income planning

  • Integration with Social Security and pensions

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01

Traditional IRA

Offers tax-deferred growth on contributions, with withdrawals taxed at your ordinary income rate in retirement. Ideal for individuals seeking to reduce current taxable income.

02

Roth IRA

Contributions are made with after-tax dollars, but qualified withdrawals are tax-free. Well-suited for those expecting higher tax rates in retirement or seeking tax diversification.

03

SEP IRA

A simplified plan designed for self-employed individuals and small business owners, allowing for higher contribution limits than Traditional or Roth IRAs.

04

SIMPLE IRA

Created for small businesses, offering both employer and employee contributions with straightforward administration and lower costs than a 401(k).

05

401(k) Plans

Employer-sponsored retirement accounts with high contribution limits, potential employer matching, and pre-tax or Roth contribution options.

06

403(b) Plans

Similar to a 401(k) but designed for employees of public schools, nonprofits, and certain religious organizations, often featuring lower-cost investment options.

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Money Purchase Plans

Require fixed annual employer contributions, creating consistent savings growth over time. Often used to support predictable retirement funding.

08

Profit Sharing Plans

Flexible employer contribution plans based on company profits, allowing for discretionary contributions to employee retirement accounts.

  • Should I roll over my old 401(k) or keep it where it is?

    It depends on investment options, fees, and your broader retirement strategy. We’ll compare your choices and help you decide.

  • How much should I be saving for retirement?

    The right amount depends on your age, income, lifestyle goals, and other income sources. We’ll create a personalized savings target based on your plan.

  • What’s the benefit of having both Traditional and Roth accounts?

    Tax diversification gives you more flexibility in retirement by allowing you to choose where to withdraw from based on future tax rates.

  • Can you help with required minimum distributions (RMDs)?

    Yes. We’ll calculate your RMDs, develop withdrawal strategies, and ensure you meet IRS requirements without unnecessary tax impact.

  • How do I make my retirement income last?

    We focus on creating a sustainable withdrawal plan that balances income needs, investment growth, and risk management over time.

Your Retirement Planning Questions, Answered

Clear Guidance for Every Stage of Retirement Preparation