When you look at retirement income planning, you soon find out most people don’t have pensions, Social Security is in question and we are facing challenges previous generations never had to worry about: longevity, increased market volatility, long-term care. One bad news report overseas can affect the value of your portfolio, and because you are relying on this portfolio to provide a retirement income, which causes a lot of stress about how to spend your money!

Most people we talk to today, have no clue about income planning and a written income plan that tells you how much money you can take out this year, or how to adjust for inflation and how much you can spend for the rest of your life so that you don’t run of money as you get older! My name is Sam Hoss, and as the Founder of Hoss Financial, I want to see you thrive in retirement by knowing that regardless of market fluctuations and all the challenges that you face, you have that peaceful feeling that you are going to be just fine. We would accomplish this by gathering all the financials and expenses so that the CFPs we partner with run the income plan and once they come up with the design, we will review what would be the best solutions for you to be totally confident and comfortable that all you had envision for your estate and retirement will be there tomorrow. Doing that takes a unique style of planning than what we’ve done before.

I know this because I have done this for the past 35 years for my clients, and I have seen the results when people listen to the advice and thrive beyond what they thought possible! We have no control over the market, but we can put strategies together that would give you the control and the outcome you want for the lifestyle you need.

I founded Hoss Financial to help people get a written plan tailored to their needs based on fiduciary standards and being able to offer the best solutions and products. As an independent financial services firm, we start every plan with the end in mind by asking the question, “What are you trying to do and how can we solve it?”

Most people want to accomplish more than just good returns; they want a good life. So, you tell me, what does success look like to you 1, 5 or 10 years from now? When you have a holistic plan, one that addresses taxation, inflation, market risk, and the rising cost of healthcare, one that can get you to older ages and still leave a legacy for whom you love! This is the benefit of having a written plan—the freedom to do more during your golden years— and this is what I want for you.