Retirement Planning in Chicago's Northwest Suburbs

A Retirement Plan Should Answer More Than “How Much Do I Have?”

Retirement changes the financial questions you need to answer.

Instead of receiving a paycheck from work, you may need to create income from several sources—retirement accounts, investments, Social Security, pensions and other assets.

At the same time, taxes, Medicare, inflation, market volatility and longevity can affect how long your savings last.

Assured Concepts Group helps individuals and families approaching retirement coordinate these decisions through a holistic retirement planning process.

Questions We Help You Answer

  • Can I afford to retire?

We look at your expected income, expenses, assets, taxes and retirement goals to identify potential gaps and planning considerations.

  • How much can I spend in retirement?

A retirement plan should distinguish between money you may need soon, money intended for longer-term growth and resources reserved for unexpected needs.

  • When should I claim Social Security?

The right decision depends on your circumstances, including your income needs, other resources, tax situation and plans for a spouse.

  • How should I withdraw money from my retirement accounts?

The order and timing of withdrawals can affect both your taxes and the longevity of your portfolio.

  • Should I consider Roth conversions?

Roth conversion decisions can have implications for current taxes, future required distributions, Medicare premiums and estate planning. We evaluate these decisions within the broader plan rather than in isolation.

  • How will Medicare affect my retirement budget?

Healthcare costs and Medicare premiums can become a meaningful part of retirement spending. We incorporate healthcare considerations into the broader retirement-income strategy.

Our Holistic Planning Approach

Our planning process brings together:

  1. Retirement income
  2. Investment management
  3. Tax management
  4. Social Security
  5. Medicare and healthcare planning
  6. Risk and protection planning
  7. Estate and legacy considerations

We use The Bucket Plan® as one framework for organizing assets according to when they may be needed and the role they play in the overall plan.

Planning for Retirement Is More Than an Investment Decision

Your portfolio is one part of your retirement plan. A retirement decision can affect taxes. Taxes can affect Medicare premiums. Withdrawal decisions can affect your portfolio. Estate planning can affect the surviving spouse and the next generation. Our job is to help connect those decisions.

Who We Typically Help

We work particularly with people who are:

  • Within approximately five years of retirement
  • Recently retired
  • Managing substantial retirement savings
  • Concerned about creating sustainable retirement income
  • Interested in tax-aware retirement planning
  • Coordinating retirement, Medicare and legacy decisions

Assured Concepts Group is based in East Dundee and serves clients throughout Chicago’s northwest suburbs and greater Chicagoland.

Start Planning With Us Today

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