Retirement Planning in the Berkshires

Planning for retirement doesn’t have to be a chore. Our straightforward 4-step planning process is designed to make your path to retirement as simple and straightforward as possible:

  1. Make your wealth work for you
    We start with a complete review of your assets and track down all your retirement accounts (401(k)s, 403(b)s, IRAs), investments, and other retirement savings and learn about your goals and concerns so we can appropriately invest your funds, review accounts for red flags, and protect your wealth from unnecessary risk of loss.
  2. Address today’s challenges
    Often people come to us because they are experiencing a major life change, such as a career transition, pending retirement, or inheritance. We’ll start working on your most pressing concerns right away.
  3. Plan for tomorrow
    The licensed financial advisors and CERTIFIED FINANCIAL PLANNER® professionals in our planning department will work with you to identify your financial plans and create a full financial plan to serve as a roadmap for your future – and help you see it through to completion.
  4. Enjoy your retirement
    Once you reach retirement, our team will continue to manage your accounts so you don’t have to worry about required minimum distributions (RMDs), Social Security and Medicare benefit deadlines, and account withdrawals; or stay up late wondering whether you will run out of money in retirement

Our retirement planning services are most helpful to those preparing to retire in the next 5 to 10 years who have saved $250,000 or more for their next chapter.


Why retirement readiness matters

Retirement marks a significant transition in your life. You may envision a retirement of leisure, travel, spending time with your family or pursuing passions, but if you’re not financially ready to retire, you face the risk of running out of money.

As your full-service retirement readiness partners, the team at Berkshire Money Management can help you make the most of your retirement savings and navigate the challenges of retirement while achieving your financial goals.

Common retirement planning challenges:

Facing the certainty of uncertainty

The one thing we know for certain while approaching retirement is that anything can happen. We strive to create a plan that allows for what no one can predict, so you’re not caught off-guard when faced with unforeseen events, medical expenses, or market downturns.

Living longer means you need your money to last

Many of us will live longer than previous generations, which can significantly impact financial calculations. Money that once needed to last 15 to 20 years may need to stretch to fund 25 to 30 years of retirement income – or more.

Worry stops your enjoyment

Without a plan and a trusted advisor, it can be hard to relax. Embracing retirement readiness doesn’t just mean securing your finances, but also helping you find some peace of mind so you can reap the benefits of the hard work you put in throughout your life.

We can get in our own way

Emotional decisions, procrastination, or reacting to short-term market fluctuations can have long-term consequences for your financial health. We’re here to serve as your steady guide, helping you navigate every twist and turn in your financial life.