	Introduction for Individuals Values & Core Beliefs Investment Management Estate Planning Business Succession Make an Appointment Directions & Map to Regent Our Process - Overview Accumulation Risk Management Taxation Business Planning Retirement Planning Estate Planning Account Access Introduction for Medical Professionals Values and Core Beliefs Directions & Map to Regent Account Access Related Links Introduction for Businesses Values and Core Beliefs Directions & Map to Regent Account Access
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INDIVIDUALS, TRUSTEES & FAMILY FIRMS

	Introduction for Individuals
	Values & Core Beliefs
	Investment Management
	Estate Planning
	Business Succession
	Make an Appointment
	Directions & Map to Regent
	Our Process - Overview
	Accumulation
	Risk Management
	Taxation
	Business Planning
	Retirement Planning
	Estate Planning
	Account Access

"If you can share any problem with your wife, you're rich. If you can face your parents and believe you have given back to them even a hint of what they gave you, you're rich. If you can take an afternoon off to go boating with your pal, you're rich. If you can honestly say you have nothing to hide, you are really, really rich."

Benjamin. J. Stein

Our Process: Retirement Planning in Maine

Retirement planning involves evaluating your current financial standing and creating an accumulation strategy that will help to ensure a desired retirement lifestyle. Because an individual's retirement years can span decades, retirement planning generally dominates other financial goals. A successful plan put into place during the wealth-building lifespan should address ways to maximize growth and tax-efficient distributions, as well as how to leave retirement assets to the next generation.

There are several ways to save for retirement:

qualified employer-sponsored plans,
individual retirement accounts (IRAs),
personal savings, and executive deferral plans.

Qualified plans are employer-sponsored retirement plans such as 401(k)s and pension plans. While there are contribution limits and strict distribution rules, these plans are popular because of their tax benefits. Generally, employers will make participation even more attractive by matching all or a portion of an employee's contribution. It's important that you choose the optimum plan to benefit the key people in your company.

IRAs are inexpensive, easy to establish and maintain, and also offer favorable tax incentives. They can be created by an individual or provided by an employer. Most people use IRAs to consolidate retirement savings that were previously held in employer-sponsored plans. Our process at Regent Financial Services coordinates your IRA investments with your other savings plans.

You may find that qualified plans, IRAs, and social security won't provide enough money to support your desired retirement lifestyle. By identifying your retirement gap, you can develop a strategy for personal savings invested outside of the traditional retirement vehicle.

Business owners or executives may have access to other tax-advantaged retirement savings vehicles. Nonqualified executive compensation is a generic term used to describe a compensation arrangement that provides retirement income—and, in some cases, death benefits—to key employees of a business.

At the heart of any retirement plan is the distribution of accumulated assets. The correct distribution method will help to ensure that your retirement savings last beyond your lifetime with minimum shrinkage from taxes. From premature distribution options that allow access to retirement assets prior to age 59 ½, to products intended to provide stable monthly payments for retirement, distribution planning is paramount to a successful retirement plan.

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This communication is strictly intended for individuals residing in the states of CA, CT, FL, MA, MD, ME, MI, NC, NJ, OR, PA, RI, VI, VT. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services. Securities and Advisory Services offered through Commonwealth Financial Network®, Member FINRA, SIPC, a Registered Investment Adviser. Regent Financial Services is a licensed Registered Investment Adviser in Maine for financial planning services.