Can I Afford to Retire?
How Do I Keep More of What I Have Saved?
Is My Money Invested the Right Way?
After decades of saving, the hardest question is whether your money will actually last. We build a retirement income plan that turns your accounts, pensions, and Social Security into a clear monthly paycheck. You'll know exactly what you can safely spend, even when the market doesn't cooperate. No more guessing.
Is My Money Invested the Right Way?
How Do I Keep More of What I Have Saved?
Is My Money Invested the Right Way?
You shouldn't need a finance degree to understand your own portfolio. We build straightforward, low-cost portfolios that match where you are in life and explain exactly what we're doing and why. No black boxes, no chasing trends, no products you'll regret in five years.
How Do I Keep More of What I Have Saved?
How Do I Keep More of What I Have Saved?
How Do I Keep More of What I Have Saved?
Taxes in retirement is one of the biggest, most overlooked expenses individuals face in retirement. We use strategies like Roth conversions, tax-efficient withdrawals, and charitable giving to lower your lifetime tax bill.
Case Studies
The Navigators
Meet Jack & Diane
Jack & Diane are hardworking Hoosiers who did everything right. They saved consistently for decades, raised a family, & are now looking ahead to the next chapter.
They weren't looking for someone to overcomplicate their finances. They wanted someone to help them make sense of it all.
The Snapshot
Jack, who is 61, has put in 30+ years at a local manufacturing plant. He has a pension, a 401k, & some old IRAs from previous jobs he'd nearly forgotten about.
Diane, who is 59, teaches at the local high school. She has her INPRS pension benefits, a 403b, & a small Roth IRA she started years ago after reading about it in a magazine.
Together, they've saved about $650,000. The problem? It's scattered across seven accounts at three different companies.
What They Were Feeling
When Jack & Diane sat down with us for the first time, they were tired. Not of working. They both still enjoy what they do.
They were tired of wondering.
"Can we actually afford to retire in a few years?"
"What happens to our income if the market tanks right when we retire?"
"How do we turn all these accounts into a paycheck?"
What We Did Together
1) Simplified Their Financial Picture - Seven accounts became three. A Traditional IRA for Jack, a Traditional IRA for Diane, & Diane's Roth IRA. Fewer logins, fewer statements, & a whole lot less confusion.
2) Built a Tax-Smart Retirement Income Plan - We mapped out exactly how their income will flow in retirement. Jack's pension, Diane's INPRS benefits, Social Security, & portfolio withdrawals, all coordinated into one clear picture. We also identified which accounts to draw from & when, so they aren't paying more in taxes than they need to.
3) Aligned Their Investments With Their Income Plan - The big question for anyone retiring soon: what if the market drops right after I retire?
We set aside several years of expected expenses in short-term, conservative investments. If markets get rocky early in retirement, Jack & Diane won't be forced to sell stocks at the worst possible time.
The rest of their portfolio stays invested in a globally diversified mix of stocks, built to support their income for a retirement that could last 30+ years.
Along the way, we found that Jack's old 401k was sitting in a target date fund that was too conservative for their timeline, & Diane's 403b was full of high-fee funds quietly eating into her returns. We fixed both.
The Result
Jack & Diane now know exactly where they stand. They are on track to a secure retirement. Their retirement income goal is achievable. Their buffer protects them from rocky markets. And their investments are finally working together instead of scattered everywhere. They walked in anxious about retirement. They walked out excited for it.
Note: The above case studies are hypothetical & does not involve an actual True North Wealth client. No portion of the content should be construed by a client or prospective client as a guarantee that he/she will experience the same or certain level of results or satisfaction if True North Wealth is engaged to provide investment advisory services.
Contact Us
Here To Serve You
12703 State Rd. 32 Suite 100 , Parker City, Indiana 47368
If you aren't located in East Central Indiana, that's okay! We serve clients virtually throughout the US. phone: 765-896-4480 email: grant@wealthtruenorth.com
Grant Evans Wealth Management, L.L.C. DBA True North Wealth is listed with the State of Indiana as a Registered Investment Advisor. The firm will not solicit or accept business in any state in which it is not properly registered or qualified to conduct business by virtue of a state “de minimus” exemption. The purpose of this website is limited to the dissemination of general information regarding the services offered by Grant Wealth Management, L.L.C. DBA True North Wealth and does not provide investment advice. This site is not intended to be a solicitation or offer to sell investment advisory services to residents of any state in which Grant Evans Wealth Management L.L.C. DBA True North Wealth is not currently authorized to do so. Full Disclosures