Welcome to The Real Deal on Retirement
Retirement Risk Busters
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1500+
Successful Project
242+
Running Project
250+
Happy Clients
30+
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Our mission is to empower each of our clients to make the most of their personal financial resources, in accordance with their unique, personal goals and objectives, through the application of our truly holistic retirement planning process.
What We Do
5 Biggest Retirement Concerns & Risks
Inflation
Income not keeping up
Inflation is the rise in prices over time, reducing the purchasing power of money. It's influenced by factors like demand, production costs, and wages. Central banks intervene to manage it. For retirees, inflation can erode savings, so investing in assets that outpace inflation is crucial for financial security.
Taxes
Paying Too Much
Taxes are compulsory charges imposed by governments on individuals and businesses to fund public expenditure. They provide revenue for essential services like education and healthcare. Types of taxes include income tax, sales tax, and property tax, each with its own rules. Compliance is mandatory, and proper tax planning is crucial for minimizing liabilities.
Healthcare Costs
Eroding Savings
Healthcare costs encompass expenses related to medical services, treatments, and medications required for maintaining or improving health. These include doctor visits, hospital stays, surgeries, prescriptions, and tests. Costs vary widely based on treatment type, condition severity, and location. Rising healthcare costs pose financial challenges for many individuals and families, impacting access to care and overall financial stability. Measures to manage costs include negotiations, preventative care, and policy reforms.
Market Volatility
Income Instability
Market volatility refers to the degree of variation in the prices of financial assets over time. It reflects the rapidity and magnitude of price changes in the market. High volatility implies significant fluctuations, while low volatility suggests stability. Volatility can be caused by various factors, such as economic indicators, geopolitical events, or investor sentiment. It affects investment decisions, risk assessment, and overall market sentiment. Traders and investors often monitor volatility closely to anticipate market movements and adjust their strategies accordingly.
Market Crash
Depleting Investments
A market crash refers to a sudden and severe decline in the value of financial assets, such as stocks, bonds, or commodities, typically occurring over a short period. Market crashes are often characterized by panic selling, resulting in significant losses for investors and a decline in overall market confidence. They can be triggered by various factors, including economic downturns, geopolitical events, or financial crises. Market crashes can have widespread repercussions, affecting not only investors but also businesses, consumers, and the broader economy. Governments and central banks may intervene to stabilize markets and restore investor confidence during
market crashes.
To eliminate these risks once and for all...
THIS IS WHY WE EXIST.
At the Real Deal on Retirement, we exist to empower individuals to take control of their financial future and retire with confidence. We understand that navigating the complexities of retirement planning can be daunting, which is why we're dedicated to providing straightforward, actionable advice and resources tailored to each client's unique goals and circumstances. Our mission is to demystify the retirement journey, offering clarity, support, and expert guidance every step of the way. With the Real Deal on Retirement, you can trust that you're making informed decisions to secure the retirement you've always envisioned.
What clients say about us
We were introduced to Real deal in a Retirement Empowerment workshop that presented an understandable and fiscally sound strategy for managing assets into and through retirement. Their approach was simpler than others we had reviewed and allow us to customize our plan to meet our lifestyle and longer-term goals. The tools available to us for managing assets and estate planning have gone beyond our expectations.
Client support from the Real deal team has been exceptional both in response to our inquiries, but more importantly, proactively from their team as market conditions have changed. We feel confident this team will be behind us for many years!
Brian Dwyer
Our thanks to Real deal for the excellent financial planning guidance and professionalism. They have delivered on their promises to be open and honest and to help us achieve our planning goals per our requirements and risk levels. Our relationship started about 5 years prior to retirement and continued through the retirement decision making process into our current semi-retired state. Real deal knows the UTC/RTX benefits package inside and out and have helped us navigate through all the many options along the way. My wife Mary and I know we can count on the and our advisor Tim Miller to be there on a regular basis for continued excellence in planning and decision making.
Phil Brigham
We have been with Real deal for over 9 years. We greatly value their financial expertise, including a deep knowledge of UTC/RTX benefits and complexities thereof. They have been our trusted partner with our retirement plans. They have delivered personalized guidance to help us make sound decisions and helped us avoid poor/uninformed decisions. Real deal does great job of navigating employer benefit changes, tax law changes, market cycles, elections, etc. and help “tune out the noise" with their structured methodology. We enjoy their informative and timely webinars, social media updates, and other client events.
Scott Thomson
My wife and I have been clients of Real deal, And our advisor for the past 8 years. Over that time, Carlos has truly embodied the role of fiduciary; we know that he always has our best interest at heart in all of his advice and counsel. Real deal financial planning philosophy is simple and straight-forward and aligns very well with our own approach to building wealth over time. Their planning philosophy is structured around an asset allocation model that is based on the client’s risk tolerance, future expenses, and life choices.
Tyrus Royal
We became clients of Real deal over 2 years ago and the experience has been outstanding. Our financial advisor, Tim Miller, is interested in our goals for the future. He has crafted a financial plan that fits our future vision and is personalized to our exact situation.
A great strength of the entire Real deal Team is that they know the Otis, UTX, RTX, and Carrier Retirement and Pension plans intimately. This simplifies conversations and allows them to craft specific investment and taxability strategies. We really enjoy the frequent client webinars and always learn something new.
Chiara Perry
Frequently Asked Questions
I'm about to turn 73. How do I handle my Required Minimum Distribution?
For all of our clients over the age of 73, we keep track of distributions and set you up on a periodic distribution plan. If you hold accounts with another firm and take a distribution, please notify us so we may update our records. If you are concerned that you have not satisfied your current year total required distributions, please notify us by December 1 so that we can expedite your withdrawal for the current year.
How do I make a check payable to be invested into my brokerage account?
Checks should be made payable to Real deal brokerage account deposits. However, your investment may be held directly by a mutual fund company or annuity company. If you are unsure, please contact your Client Liaison Team. Due to the USA Patriot Act, we are unable to accept bank checks or cashier’s checks, only personal checks. Please mail all checks to AdviceOne for processing (100 Western Boulevard, Glastonbury, CT 06033).
What is Real Deal's role as a Fiduciary?
Our role as your fiduciary means we must always put the interests of our clients before the interests of Real Deal. The advice will always be in your best interest.
What if my address changes?
Please email us and we will update your records. We will create and send you paperwork to return to us.
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