RETIREMENT PLANNING With Rob Ryan WEALTH MANAGEMENT Ca Your Co BRIDGING THE GAP Couples can find it difficult to bridge a large age gap that makes the couple's retirement decisions diflicult. When there is a large age gap between spouses, the variations in retirement dates, life expectancies, health, and other factors can complicate things. For instance, the older spouse may be ready to retire, just as the younger spouse is making great strides at work. The Social Security claiming decision may become more critical among age-gap couples since the younger spouse could live decades longer than the older partner, and a Social Security benefit could make a huge difference in the younger spouse's later years. With these and other potential complications in mind, age-gap couples should enlist the help of a Social Security expert At Ryan Wealth Management, we have a Social Security expert on staff. One mistake age-gap couples make is approaching retirement planning like everyone else. Each spouse needs a customized plan that accommodates each partner's risk tolerance, time horizon, and income needs when they retire. Achieving financial confidence, planning for a financially independent retirement, mitigating taxes, taking care of family, and making sure children get an education for most Americans, these are important issues. But many of us feel unprepared and ill-equipped to deal with all these issues in a coordinated, knowledgeable way. Call for an appointment. If your spouse is at least ten years younger and. the sole beneficiary of your IRA, your required minimum distributions (RMDs) are reduced. www.thetret.com/personal-fi nancehaving 401-4-and-ira-coatribution-limit-boostedfor 2019-14768292 www.thestreet.com/pernonal To contact Rob Ryan: (530) 671-2100 retire@ryanwealth.com www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will outlive my money?" Rob Ryan is a Registered Representative offering securities and advisory services throagh Reyal Alliance Associates, Inc, a registered broker dealer and registerred investment advisor, Member FINRA, SIPC. Additional advisory services, insurance and Estate Planning ofered through Ryan Wealth Management are independent of Reyal Alliance. Principal of Ryan Wealth Management, Inc. located at 463 Century Park Drive in Yuba City CA Insurance Li. roco5959 RETIREMENT PLANNING With Rob Ryan WEALTH MANAGEMENT Ca Your Co BRIDGING THE GAP Couples can find it difficult to bridge a large age gap that makes the couple's retirement decisions diflicult. When there is a large age gap between spouses, the variations in retirement dates, life expectancies, health, and other factors can complicate things. For instance, the older spouse may be ready to retire, just as the younger spouse is making great strides at work. The Social Security claiming decision may become more critical among age-gap couples since the younger spouse could live decades longer than the older partner, and a Social Security benefit could make a huge difference in the younger spouse's later years. With these and other potential complications in mind, age-gap couples should enlist the help of a Social Security expert At Ryan Wealth Management, we have a Social Security expert on staff. One mistake age-gap couples make is approaching retirement planning like everyone else. Each spouse needs a customized plan that accommodates each partner's risk tolerance, time horizon, and income needs when they retire. Achieving financial confidence, planning for a financially independent retirement, mitigating taxes, taking care of family, and making sure children get an education for most Americans, these are important issues. But many of us feel unprepared and ill-equipped to deal with all these issues in a coordinated, knowledgeable way. Call for an appointment. If your spouse is at least ten years younger and. the sole beneficiary of your IRA, your required minimum distributions (RMDs) are reduced. www.thetret.com/personal-fi nancehaving 401-4-and-ira-coatribution-limit-boostedfor 2019-14768292 www.thestreet.com/pernonal To contact Rob Ryan: (530) 671-2100 retire@ryanwealth.com www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will outlive my money?" Rob Ryan is a Registered Representative offering securities and advisory services throagh Reyal Alliance Associates, Inc, a registered broker dealer and registerred investment advisor, Member FINRA, SIPC. Additional advisory services, insurance and Estate Planning ofered through Ryan Wealth Management are independent of Reyal Alliance. Principal of Ryan Wealth Management, Inc. located at 463 Century Park Drive in Yuba City CA Insurance Li. roco5959