Retirement Income Planning

Income Strategies


Retirement income strategies are not just for the wealthy. As retirement nears, the traditional strategy has been to move growth-seeking products to more conservative, fixed-income products. According to a recent study, for a married couple age 62 there is now a 65 percent chance that at least one spouse will live to age 85.1 This means that you may need to plan for your retirement savings to potentially last 25 to 30 years.

One drawback to a longer life is the greater possibility of outliving your savings — creating all the more reason to develop a retirement income strategy designed to last a longer lifetime. A significant loss in the years just prior to and/or just after you retire could negatively impact the level of income you receive over the course of your life.

We can help you design a solid retirement income strategy that creates opportunities for long-term growth as well as blending in strategies to provide income throughout your retirement.


When and how you should take your Social Security income benefits?

  • When and how to elect Social Security Benefits is a decision that every retiree must face. Recent studies show that approximately only 22% of financial professionals understand Social Security or how to properly integrate benefits into a financial plan.*
  • For many retirees, Social Security could account for more than 60% of their future income.** The problem is that some retirees spend more time booking a flight than they do making one of the largest financial decisions of their life.

During an EDUCATIONAL Workshop – you will learn:

  • Common misconceptions about Social Security-Including what Social Security personnel can and can’t do
  • Timing is everything! How to properly coordinate Social Security benefits with your spouse and other sources of retirement income
  • How Public Pension income affects Social Security benefits
  • Learn how you can optimize your benefit with techniques the Social Security office won’t tell you about
  • Strategies that may minimize or eliminate taxes on Social Security benefits
  • How to incorporate Social Security into your Income Distribution Strategy

Call our office today to sign up for our next workshop, 937-498-1128


Estate & Tax Planning

Estate Planning

At a minimum, every adult should have a will, a durable power of attorney, and a health care proxy.  A durable power of attorney designates an individual to control their financial affairs if they become incapacitated, while a health care proxy delegates health care decisions to a third person when they are unable to make those decisions.

We can refer you to professionals to help meet your individual needs.

Estate planning is simply determining (while you’re still alive) where your assets should go after you die. Without a properly structured estate plan, your wishes may not be fulfilled, and there may be unintended consequences for your loved ones.

While the concept is simple, the vehicles, planning and implementation process can be rather complex. Because of the estate tax laws and the emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this field and advise clients on a day-to-day basis.

IRA Assets

While there are a variety of vehicles available to help you ensure your assets are distributed appropriately after your death, IRAs have become increasingly popular vehicles for providing for one’s beneficiaries. If you don’t anticipate needing your IRA money in retirement, you may wish to consider a legacy planning strategy that potentially reduces taxes and potentially increases the payout your beneficiaries will receive upon your death. We can refer you to professionals to help you evaluate your financial situation to determine if IRA legacy planning could help you meet your goal of structuring a long-lasting inheritance for your beneficiaries.


There are many different types of trusts, and they can be complex to set up and execute. However, a trust can be a very flexible and advantageous means to transfer your assets in the future. Most trusts can also provide current benefits, such as tax deferral and deductions. Unlike a will, a trust may help avoid probate upon your death. To learn more about trusts and how they may benefit you, we will be happy to help you consult a qualified estate planning attorney who can assist you with these issues.

Tax Planning

Rising taxes may be a concern for many individuals approaching retirement. It may be important to incorporate tax planning into your financial decisions.

We can refer you to professionals to help meet your individual needs.

Investing in or purchasing a tax-deferred vehicle means your money can compound interest for years, free from income taxes, potentially allowing it to earn interest at a faster rate. Few financial vehicles avoid taxes altogether. Insurance products only allow you to defer paying them until retirement — when you may be in a lower tax bracket.

Tax considerations are also of particular concern when making a decision about what to do with assets in an employer-sponsored retirement plan when you change jobs or retire.  There are generally four things you can do with such assets:

  • Leave the money where it is
  • Take the cash (and pay income taxes and perhaps a 10 percent additional federal tax if you are younger than age 59½)
  • Transfer the money to another employer plan (if the new plan allows)
  • Roll the money over into an IRA

Rolling over these assets to another qualified plan allows your money to continue growing tax-deferred until you receive distributions in retirement. We can help you determine if a rollover is the right move for you.


Investment Solutions

We believe that it's critical to defend against the devastating impact large drawdowns can have on the long-term growth of an investment portfolio.  While each of our model strategies has its own methodology and diversification, our main goal is to incorporate a certain level of risk management in an attempt to avoid large-scale losses.  We believe that diversification across multiple risk-controlled strategies helps manage wealth for both performance and protection.  Strategies encompass risk-averse performance goals to offer investors a broad range of investment options to meet their risk/reward profile.

“We take a multi-layered, tactical approach to investing designed to adapt quickly to constantly changing market moods. This strategy allows investors the flexibility to take advantage of opportunities while still maintaining a definitive, imbedded layer of risk management.”

                                                                             – DEAN ZAYED, CEO Brookstone Capital Management

401(k) Management

Check out this brief video to see if 401(k) portfolio management is right for you!

 Since their creation in the early  1980s, the 401(k) plan has transformed how Americans save for  retirement. Sponsored by an employer, these retirement plans allow  people to save, with pre-tax dollars, by investing in a menu of  investment options. Unfortunately, not everyone has the time, tools, or  talent to manage their investment selections in a way that will  prudently help them reach retirement goals.  Those  without the tools or talent, or time or desire to learn, seek the help  of a financial advisor. Our Savings Plan Management helps employees  manage these worthwhile, yet often confusing, retirement savings plans. 

 We believe you should have the ability to hire a financial advisor of your own choosing! Unfortunately,  if your financial advisor does not have a relationship with your  employer, they are at a disadvantage when providing you with investment  management services for your employer-sponsored retirement account. Our  Savings Plan Management system helps us overcome that disadvantage to  give you the service that you are looking for.   

Ask us how to team up with a specialist in the strategic management of defined contribution accounts. Seeking  help with managing investments has been shown to be beneficial. An  annual study by Financial Engines and AON Hewitt found that people who  sought help, either through a pre-constructed portfolio, an advisor  managed portfolio, or online advice had more positive performance than  people who did not seek help.*  *The  annual investment performance gap between Help Participants and  Non-Help Participants was 2.92%, net of fees. “Help in Defined  Contribution Plans: 2006 to 2010” Financial Engines and AON Hewitt  (2011) Personal  financial advisors can provide the expertise, financial guidance and  personal relationship that may lead to a high level of comfort that you  will achieve your retirement goals.  

Our  Savings Plan Management team is committed to delivering disciplined  allocation and rebalancing strategies alongside superior service. 

  • A methodology that has been field tested for more than twenty years.
  • More than $750 million of defined contribution assets under management.
  • Managing accounts within more than 650 employer-sponsored retirement plans

Free Portfolio Stress Test

Can your portfolio handle the stress of retirement? Get a full understanding of the amount of risk, fees and loss exposure within your current portfolio at no costs!

Investment Advisory Services are offered through Brookstone Capital  Management, LLC, (BCM) a Registered Investment Advisor. 1745 S. Naperville  Road, Suite 200 Wheaton, IL 60189 www.brookstoneCM.com (630) 653-1400. Additional information about BCM is also available on the SEC’s website at www.adviserinfo.sec.gov.  However, please note that registration as an Investment Advisor or  Investment Advisor Representative does not imply any level of skill or  training. BCM and Eikenberry  Retirement Planning (ERP) are independent of each other. For a complete  description of investment risks, fees and services, review the  BCM firm brochure (ADV Part 2A) which is  available from your Investment Advisor Representative or by contacting  BCM.  

Certified  Financial Planner Board of Standards Inc. owns the certification marks  CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with  flame design) in the U.S., which it  awards to individuals who  successfully complete CFP Board’s initial and ongoing certification  requirements.

The content of this website is provided for  informational purposes only and is not a solicitation or recommendation  of any investment strategy. Investments and/or investment strategies  involve risk including the possible loss of principal. There is no  assurance that any investment strategy will achieve its objectives.  
Fiduciary  duty extends solely to investment advisory advice and does not extend  to other activities such as insurance or broker dealer services.  Advisory clients are charged a quarterly fee for assets under management  while insurance products pay a commission, which may result in a  conflict of interest regarding compensation.