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© 2019 by Recker Financial LLC.

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The information on this site is provided “AS IS” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable laws, Recker Financial LLC (referred to as "Recker Financial") disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non-infringement and suitability for a particular purpose. Recker Financial does not warrant that the information will be free from error. None of the information provided on this website is intended as investment, tax, accounting or legal advice,  as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. The information should not be relied upon for purposes of transacting securities or other investments. Your use of the information is at your sole risk. Under no circumstances shall Recker Financial be liable for any direct, indirect, special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if Recker Financial or a Recker Financial authorized representative has been advised of the possibility of such damages. In no event shall Recker Financial LLC have any liability to you for damages, losses and causes of action for accessing this site. Information on this website should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.

Recker Financial LLC (“Recker Financial”) is a registered investment adviser offering advisory services in the State(s) of Michigan and in other jurisdictions where exempted.  Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by Recker Financial in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.

All written content on this site is for information purposes only. Opinions expressed herein are solely those of Recker Financial, unless otherwise specifically cited.  Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.

 Financial Planning for Retirement in Central Michigan and the Thumb

Financial planning for retirement is something that everyone should be doing, regardless of your current age, savings or income.  At Recker Financial, we use cutting edge technology to help develop a comprehensive retirement savings plan for you.  We’ll sit down with you to identify all of your retirement goals and formulate a plan to achieve them.  We’re able to run multiple scenarios and make adjustments with just the click of a button.  We’re able to achieve this using something called a Monte Carlo simulation from RightCapital, an innovator in financial planning software.  This is an advanced system that goes far beyond what most financial planners in Central Michigan and Thumb offer. It generates over 1,000 different scenarios and shows the percentage of those scenarios that will result in assets making it to the end of their plan.

Through this simulation process we can change assumptions with relative ease as your situation changes.  You’ll immediately see the financial impact that retiring earlier, changing jobs, buying a car or house, paying down debt faster or saving more in your 401K will have on your goals.

On all of the scenarios that we run we’re able to see what impact recommendations will have on projected investment assets, net worth and total taxes projected to be paid.  We can then determine your retirement income sources and how predictable they are. We’ll also break down a projected withdrawal rate from your investment assets over your retirement to see if that is sustainable.

At Recker Financial we take all of these factors into consideration to make sure you have all of the information you need to feel confident about your retirement plan.​