The Charles Schwab logo and Wealth Advisory logo appears on an all-white screen. The title reads Professional Wealth Management on Your Terms.
Upbeat music plays throughout.
The logos and text fade away to show Schwab Wealth Advisor, Ryan Ledbetter, CFP®, standing in a hallway.
So clients that retire early, you might be thinking, am I doing everything that I need to do tax wise? Am I being efficient with my investments? How am I producing the income that I need in retirement, if I'm going to retire? How do I get to Medicare? When should I take my Social Security?
My name is Ryan Ledbetter. I'm a Wealth Advisor with Schwab Wealth Advisory.
Typically a client that's like around 55 years old will be wondering, can I retire early? I just had this happen with they're 55 and 52, the husband's having a difficult time. His job is really laborious, right? So they're wondering how, how much longer does he have to do this?
After going through the plan and after helping them understand these are where your assets are, this is where they're located, this is the tax implications of how we pull from these investments. This is how much you'll need, and this is how much we can effectively produce from those assets. They realized, oh, we can actually do this.
And then it's just another conversation of here's the actual written plan. Here's how the portfolio needs to be structured. They're actually retiring in the next six months and then now they get to have this dependable income going forward and they can rest easy.
The screen fades to white and the following disclosures fade onto the screen:
Schwab Wealth Advisory™ ("SWA") is a non‐discretionary investment advisory program sponsored by Charles Schwab & Co., Inc. ("Schwab"). Schwab Wealth Advisory, Inc. ("SWAI") is a Registered Investment Adviser and provides portfolio management for the SWA program. Schwab and SWAI are affiliates and are subsidiaries of The Charles Schwab Corporation.
Portfolio Management provided by Schwab Wealth Advisory, Inc., a Registered Investment Adviser and affiliate of Charles Schwab & Co., Inc. (Schwab). Please read the Schwab Wealth Advisory and the Schwab Wealth Advisory, Inc. Disclosure Brochures for information and disclosures about this program. The Wealth Advisor, Associate Wealth Advisor, and other representatives making investment recommendations in your Schwab Wealth Advisory accounts are employees of Schwab Wealth Advisory, Inc.
This information provided here is for general informational purposes only and is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, you should consult with a qualified tax advisor, CPA, Financial Planner, or Investment Manager.
Information provided herein is for general information purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.
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