You’ve saved for retirement. Now it needs to become income.
Bay Point Financial helps New Hampshire pre-retirees and retirees see where they stand, then build an income plan around how they feel about risk, flexibility and guarantees.
Scott Sullivan, CLU®, RICP®, has worked in the financial-services industry since 1991, with offices in Laconia and Bedford, New Hampshire.
Saving and spending are different problems
For thirty years the goal was simple: put more in. Retirement flips it. Now the question is how much you can take out, from which account, in what order, without running short or leaving money on the table.
That means decisions about when to claim Social Security, how to handle taxes on withdrawals, what to do about health insurance before Medicare, and how your income could hold up if markets fall early in retirement. Those decisions connect. We help you make them together instead of one at a time.
The plan you’ll stick with matters as much as the plan that looks best on paper
Two people with the same savings can want very different retirements. One sleeps best knowing a set amount arrives every month. The other would rather keep control and stay invested. Neither is wrong.
RISA®, Retirement Income Style Awareness, is a short assessment that shows you which one you are. Developed by retirement researchers, it looks at two things: how you feel about safety versus growth, and whether you’d rather commit to a plan or keep your options open. Your answers point to one of four income styles, each with its own way of turning savings into income.
RISA® and Retirement Income Style Awareness® are registered trademarks of RISA, LLC. Scott Sullivan, RICP®, CLU® and Bay Point Financial is a licensed user of the RISA® assessment framework and methodology developed by Dr. Alex Murguía and Dr. Wade Pfau. RISA® scores and profile reports are intended for financial planning education and strategic style identification; they do not constitute a specific recommendation or guarantee of financial performance.
Know where you stand before you decide anything
Our process starts with questions, not products. Before we suggest anything, we look at what you have, what you need, and what could get in the way.
Listen
What does a good retirement look like for you?
Take stock
Accounts, pensions, Social Security, insurance, taxes.
Find your style
How you feel about risk and flexibility.
Build the plan
Income sources, timing and tax order, in writing.
Sleep on it
Take the plan home. No pressure to decide in the room.
Stay in touch
Review it as life and rules change.
Retirement planning built around where you are
Small business owners
Plan how the business you built fits into your retirement income.
Learn more →
Start with a conversation
Fifteen minutes to talk through where you are and what you’re trying to figure out. No pitch on the other end.