Retirement Planning

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Retirement is not about Age, it’s about Income…Period!

When most people are asked about retirement, many just pick an arbitrary age out of thin air based on what they’ve heard from others. Often times, people remain clueless as to how to exactly plan for a time in their life when they can ACTUALLY stop working. They’ve been told fictitious slogans like, “You’ll be fine as long as you just contribute to your company 401k plan.” Or “Just save 10% of your money and you’ll be ok down the road.” Unfortunately, these slogans are exactly what they sound like…Slogans!

They are often derived from inaccurate information and vague beliefs from people that are not qualified to even give such advice. The bottom line is that saving a lump sum of money for your future may not be the only answer to your future retirement needs. For one, people are living much longer these days, which means that there is “More Life at the End of the Money” and people are obliviously unaware of these critical factors that pertain to them. Retirement is not about planning down the road; it’s about HOW you plan right NOW for this future time in your life.

Another huge misconception is that Saving a Lump Sum of money is the solution to your retirement problems. This couldn’t be the furthest from the truth and reality. Now with longer life spans than ever, you need to consider how long your savings will last you.

For example, if you had $400,000 sitting in your employer qualified contribution plan, such as a 401k, 403b, 457, TSP or Deferred Compensation Plan, then first of all, you would need to more than likely have earned $700,000 – $800,000 because you haven’t yet factored in Fees & Taxes. But in this hypothetical “Lump Sum” amount, let’s say you had that amount sitting NET in your account and now it’s your time to retire. 


The problem you face now is that your money needs to last for at least 20 years in your retirement years. If you do the math and divide $400k by 20 years, that’s only a measly $20,000 of income PER YEAR. Again, this hasn’t factored in fees that are perpetually eroding your retirement funds, taxes, or even inflation. Imagine how much $20k per year of income would be worth 20-30 years from now…not the most ideal scenario most people are willing to face.

This is only because they haven’t been educated on real strategies and solutions from an actual Specialist in this regard. If this resonates with you, please don't hesitate to (Contact Us) for a brief No Obligation Discovery Call where we can determine if we can help you achieve your financial needs and goals.

CAPA Financial stands apart as industry-leading specialists in this space.

Lifetime Income Need

If you’re planning on retiring one day, then Lifetime Income and real strategies to obtain this should be a serious consideration. The need to create a steady stream of income that you cannot outlive is something that the majority of financial planners and advisors do not consult you on. In fact, it is often NOT what they specialize in.

We at CAPA Financial are experts in this subject matter and often exceed clients’ expectations on what they believe is even possible. If you are concerned whether or not Social Security income or your own savings will be enough for retirement, then creating a Self-Generated Pension Plan should be a key element in your retirement planning.

Health Care Needs

Health care needs and associated costs are constantly on the rise as we age. The problem is that without proper protection of your income or money, you will be forced to deplete your own resources for such costs. This will further delay or even eliminate retirement as a reality altogether. 



Government programs such as Medicare may provide some safety net, but often times, is not enough to face the rigorous challenges of Chronic Illness or Long-Term Care needs. These issues are a devastating reality to one’s retirement and should always be factored in to your retirement plans today in order to safeguard your financial well-being for your future.

Estate Protection

Transferring of your assets can be a daunting thing to think about. Understanding the impact of your decisions today matters if there are survivors who may be dependent upon the assets of your estate for their own financial security. Even if that’s not the case, proper estate planning is a critical element of retirement planning to ensure that your legacy passes on to your heirs in the manner in which you see fit for those that matter in your life. Larger estates that exceed your state’s Estate Tax Exemption limit may be under siege due to projected death taxes, which could potentially force unwanted liquidation of your assets if the proper planning to cover this tax liability is not done. (Please see your applicable state’s Estate Tax Exemption criteria.)

Lifetime Income Need

If you’re planning on retiring one day, then Lifetime Income and real strategies to obtain this should be a serious consideration. The need to create a steady stream of income that you cannot outlive is something that the majority of financial planners and advisors do not consult you on. In fact, it is often NOT what they specialize in.

We at CAPA Financial are experts in this subject matter and often exceed clients’ expectations on what they believe is even possible. If you are concerned whether or not Social Security income or your own savings will be enough for retirement, then creating a Self-Generated Pension Plan should be a key element in your retirement planning.

Health Care Needs

Health care needs and associated costs are constantly on the rise as we age. The problem is that without proper protection of your income or money, you will be forced to deplete your own resources for such costs. This will further delay or even eliminate retirement as a reality altogether. 



Government programs such as Medicare may provide some safety net, but often times, is not enough to face the rigorous challenges of Chronic Illness or Long-Term Care needs. These issues are a devastating reality to one’s retirement and should always be factored in to your retirement plans today in order to safeguard your financial well-being for your future.

Estate Protection

Transferring of your assets can be a daunting thing to think about. Understanding the impact of your decisions today matters if there are survivors who may be dependent upon the assets of your estate for their own financial security. Even if that’s not the case, proper estate planning is a critical element of retirement planning to ensure that your legacy passes on to your heirs in the manner in which you see fit for those that matter in your life. Larger estates that exceed your state’s Estate Tax Exemption limit may be under siege due to projected death taxes, which could potentially force unwanted liquidation of your assets if the proper planning to cover this tax liability is not done. (Please see your applicable state’s Estate Tax Exemption criteria.)

Contact Us

Are you ready to take control of your financial future and ensure your wealth is protected from risks, fees, and taxes? Contact us today to schedule a free discovery call, and let's work together to build the secure future you deserve.

© 2026 Josh Kaburick. All rights reserved.

© 2026 Josh Kaburick.

All rights reserved.

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