Retirement Planner in Wappingers Falls, NY
What Is A Retirement Planner?
Retirement planning refers to strategies of saving, investing, and ultimately distributing monies and assets to sustain yourself during retirement.
A “retirement” plan can also be a simple plan to achieve financial independence (the ability to sustain your lifestyle on the dividends, interest, and passive income from one’s investment assets) well before any predefined age/date.
At Sage Investment Advisers, LLC, we aim to build a customized “plan” for every family we work with. These plans are usually not done in one day but take some time to create. It can sometimes take several years to determine your path ultimately. A true “plan” doesn’t just look at the numbers; it takes into consideration a lot of real “life” questions also.
We aim to answer three questions for every family/person we build a plan with:
- What does your retirement look like when it’s complete?
- How do we manage the risk and minimize setbacks?
- What is our percent probability of success that your money will last your entire life (we run a probability of success analysis)?
Retirement Planner in Wappingers Falls, NY and Great Hudson Valley region
Planning for retirement is one of the most important financial steps you’ll ever take. At Sage Investment Advisers, LLC, our experienced retirement planners help individuals and families across the Hudson Valley—including Wappingers Falls, Poughkeepsie, Fishkill, and Beacon— create customized strategies designed for long-term security and peace of mind.
As a fee-only fiduciary firm, we put your best interests first. Our retirement planning process goes beyond numbers—we take the time to understand your lifestyle, goals, and vision for the future. Whether you’re nearing retirement, just starting to plan, or already retired, our team provides guidance every step of the way.
FAQs-Retirement Planning Services in Wappiners Falls, NY
At Sage Investment Advisers, we help you retire with confidence and clarity. Whether you’re approaching retirement or already enjoying it, our fee-only fiduciary retirement planners in Wappingers Falls, NY specialize in creating income strategies that help your savings last a lifetime.
Below are answers to the most common questions clients ask when planning for retirement..
Why is retirement planning important?
Retirement planning ensures that your lifestyle, income, and financial security are sustainable once you stop working. It helps you determine how much you’ll need to save, when to retire, how to generate income, and how to manage risks such as inflation, taxes, and healthcare costs.
When should I start planning for retirement?
The earlier, the better — but it’s never too late to start. Beginning early allows your investments more time to grow and gives you flexibility to adjust along the way. Even if you’re close to retirement, a well-structured plan can help optimize Social Security, reduce taxes, and improve your income strategy.
What does a retirement planner do?
A retirement planner helps you transition from saving for retirement to living in retirement. At Sage, we create personalized plans that include:
- Retirement income projections
- Investment and withdrawal strategies
- Tax-efficient distribution planning
- Social Security and pension optimization
- Healthcare and long-term care planning
- Estate and legacy coordination
How is Sage Investment Advisers different from other retirement planners?
We’re a fee-only fiduciary firm, meaning we’re compensated only by our clients — not through commissions or product sales. Every recommendation we make is unbiased and designed solely around your best interest. As a local firm in Wappingers Falls, we provide personal attention and ongoing support tailored to your goals.
Can I meet with you virtually or only in person?
Both! You can visit our Wappingers Falls office for a face-to-face consultation or meet with us virtually via secure online meetings — whichever is more convenient for you.
How do I schedule a consultation?
You can schedule your complimentary consultation by:
- Calling our office at 845-240-1551
- Or visiting our website’s Contact Page
Our team will reach out to confirm your appointment and help you prepare any materials needed for your first meeting.
How do you help manage income in retirement?
Our planners help you structure your accounts to create reliable income streams while minimizing taxes and preserving principal. We use a diversified strategy that blends growth, stability, and flexibility so your money supports your lifestyle throughout retirement.
How much money do I need to retire comfortably?
The amount depends on your lifestyle, goals, and expected expenses. During your planning process, we’ll analyze your income sources, savings, and investment accounts to determine your personalized “retirement number” — ensuring your plan is realistic, sustainable, and aligned with your needs.
What if I’m already retired — can you still help me?
Absolutely. Some of our clients come to Sage after retiring to help manage withdrawals, minimize taxes, and adjust their investment strategies. We’ll review your current plan and identify opportunities to improve income stability and long-term protection.
How often should I review my retirement plan?
We recommend reviewing your plan at least once a year, or whenever you experience major life changes such as marriage, retirement, inheritance, or the sale of a business. Our team proactively monitors your plan to help you stay on track through changing markets and life stages.