Stone Wealth Management on Paving the Road to Retirement

Paving the Road to Retirement

By Stone Wealth Management, Texoma LIVING WELL Magazine

How do you envision your retirement? It’s about more than numbers. It’s also about goals and dreams––in short, what’s important to you?

The process of moving from working full time to thriving in retirement can be one of life’s most exhilarating––and challenging––transitions. Stone Wealth Management Group of Wells Fargo Advisors, LLC, in Sherman can provide you with the analysis and planning assistance you need, based on your personal situation.

“When it comes to effective retirement planning, there is no ‘one size fits all’,” says David G. Stone, AAMS®, Senior Vice President – Investment Officer for Stone Wealth Management Group of Wells Fargo Advisors, LLC. “There may be any number of ways to construct a strategy according to your lifestyle goals, your financial situation, and the trade-offs you’re willing to make about saving, spending, actual retirement age, and investment risk.”

A successful approach to retirement income planning is centered around several core components. The first is the realization retirement income planning is an ongoing journey requiring your time and active involvement for success. The second is that the financial advisors at Stone Wealth Management Group of Wells Fargo Advisors, LLC, are a knowledgeable team, providing you with the tools, technology, range of financial products, and qualified specialists you need to move forward. Third, by using a customized planning process, they can deliver a robust report to you; one that is flexible enough to adapt to your changing needs throughout retirement. Last, Stone encourages clients to come in for an evaluation of their plan at least annually or whenever key changes occur.

Deciding when you can retire depends on a number of factors––how much you’ve saved, what you can afford to spend, how your investments perform, when you plan to stop working, and what sources of income you’ll have when you do. “A change in any of these factors can produce a host of different results,” says Juston Dobbs, MBA, CFP®, First Vice President – Investments for Stone Wealth Management Group of Wells Fargo Advisors, LLC. ”We assist our clients in exploring a wide range of possible outcomes, looking at what is ‘ideal’ and what is ‘acceptable’ for each individual or couple contemplating retirement. Prioritizing goals and estimating the cost of each can help clarify direction and provide valuable information for the development of a customized retirement income strategy.”

Stone and Dobbs can assist you in laying the foundation for a successful plan, including information about risks and other considerations that may impact results. For instance, your retirement timeline may be longer than you think. Your risk profile will likely change over the years. Fluctuating market conditions can affect the amount of income you can safely take out of your assets each year. Your assets will need to produce more and more income each year to keep pace with inflation and taxes. Managing healthcare costs, including long-term care, can be a daunting task. Handling family obligations or leaving a legacy are additional considerations.

Clearly, there is a tremendous amount of information to bring together and organize before constructing your customized retirement income strategy. Stone and Dobbs want you to know they will take the time to listen and understand your needs, will help you clarify your goals and will take seriously the safety and security of your money and investments. They will be fully invested in your success, helping you stay on track to meet your goals through intelligent financial solutions, in-depth analysis of your investments, and regular feedback on your progress.

Contact the Stone Wealth Management Group of Wells Fargo Advisors, LLC, today to schedule a confidential meeting to begin the process that can help bring new clarity to your life goals and enhance your confidence in your ability to achieve them. They can be reached at 903-893-6682 or visit their website at

Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a separate non-banking affiliate of Wells Fargo & Company. CAR# 0714-00806

Investment and insurance products:

Not FDIC-Insured – NO Bank Guarantee – MAY Lose Value.