Retirement Planning:

Charting Your Course to Financial Freedom

At Centric, we understand that retirement planning is like aiming for a moving target in changing winds. Your retirement goals – the lifestyle you envision and the legacy you wish to leave – are the target. The moving nature of this target stems from the uncertainty of how long your retirement will last, while the changing winds represent the ever-shifting economic landscape.

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retirement couple

Our Approach to Retirement Planning

Just as NASA meticulously calculates countless variables for a successful moon landing, we recognize that reaching your retirement goals requires more than a simple straight-line approach. Our retirement planning process is designed to address potential risks and adapt as your circumstances evolve.

1. Defining Your Retirement Vision

We begin by understanding your unique retirement goals:

  • What does your ideal retirement lifestyle look like?
  • What are your spending needs and wants?
  • How do you envision leaving a legacy?

2. Assessing Your Current Position

Next, we conduct a thorough review of your current financial situation:
  • Evaluating your existing assets
  • Analyzing your retirement income sources (pensions, 401(k)s, IRAs)
  • Optimizing your Social Security benefits

3. Navigating Potential Pitfalls

Our experienced advisors help you avoid common retirement planning mistakes. We liken this process to finding and patching leaks in an inner tube – identifying and addressing potential issues before they become problematic.

Key Areas of Focus in Retirement Planning

Social Security Optimization

Maximizing your Social Security benefits is crucial. Our advisors provide strategies for:
  • Determining the optimal time to claim benefits
  • Coordinating benefits for married couples
  • Minimizing taxes on your Social Security income

Tax-Efficient Strategies

We develop tax-efficient retirement income plans to help you keep more of what you’ve earned:
  • Strategic withdrawals from various account types
  • Roth conversion strategies
  • Tax-loss harvesting opportunities

Healthcare Planning

Planning for healthcare costs is a critical component of retirement planning:
  • Medicare enrollment guidance
  • Long-term care insurance considerations
  • Health Savings Account (HSA) strategies

Risk Management and Downside Protection

We help balance your need for growth with protection against market volatility:
  • Assessing your risk tolerance profile
  • Implementing diversification strategies
  • Utilizing downside protection techniques to safeguard your retirement nest egg

The Centric Difference in Retirement Planning

At Centric, we believe in a holistic approach to retirement planning:

  • Personalized Strategies: We tailor our approach to your unique situation, goals, and risk tolerance.
  • Ongoing Adjustments: Regular reviews and adjustments ensure your plan remains aligned with your evolving needs and market conditions.
  • Integrated Approach: We coordinate your retirement plan with other aspects of your financial life, including estate planning and tax strategies.
  • Education and Empowerment: We help you understand the complexities of retirement planning, empowering you to make informed decisions.
  • Advanced Planning Techniques: Our advisors stay current with the latest retirement planning strategies and tools to optimize your plan.

Take the Next Step Towards Your Ideal Retirement

Whether you’re just starting to think about retirement or you’re looking to refine your existing plan, Centric is here to help you navigate the journey. Our goal is to help you hit your target – your ideal retirement – regardless of how it moves or how the winds change.


Contact us today to schedule a complimentary retirement planning consultation. Let’s work together to create a retirement strategy that gives you confidence in your financial future.

Remember, retirement planning is an ongoing process. The earlier you start and the more regularly you review your plan, the better positioned you’ll be to achieve the retirement lifestyle you desire.

The Centric Client Experience

Our clients say working with Centric means:
“Centric has some very nice options for investors wanting different investment choices than the traditional stocks and bonds.”
– Daryl Bailey
“Eric was attentive to our needs and took the time to understand our financial goals, which made us feel confident that we were in good hands. Throughout our collaboration, he provided clear and professional guidance on investments, savings planning, and debt management, helping us make informed decisions that align with our personal situation.”
– Laura Liberatore
“Through all of that, my portfolio has grown considerably and in my early 30's I feel confident about my retirement prospects. Eric is knowledgeable, thoughtful, and insightful, which he mixes in with the right amount of humor.”
– Andrea Ayala
“I would highly recommend Centric. Eric has been an excellent financial advisor. He is personable, easy to get a hold of, and has been instrumental in helping my partner and I reach our financial goals.”
– Blake Sanford
“Centric Wealth Advisory Firm offers exceptional financial guidance and support. Our advisor, Eric Lian, and his team members, Joe and Luz, consistently provided updates and adjustments to our financial plan, ensuring we stayed on track to achieve our goals.”
– Steve C

Live Your
Best Life

Our planning services will take you through a process that begins with your concerns and needs. We will listen first and recommend second. Once we have a plan in place, we will monitor & adjust so that as life happens, you stay on the right track.